Caliber Home Loans
Ranked #21 of 75 by complaint volume · 4,316 complaints · 99.1% timely response
Ownership and transfers
- New Residential completed its purchase of Caliber Home Loans on August 23, 2021. Source: sec.gov, checked Sep 30, 2026
- Rithm bought Caliber in 2021 to fold it into Newrez, and Newrez finished integrating Caliber in 2023. Source: newrez.com, checked Sep 30, 2026
These are the companies' dates, not a date for any single loan. Your mortgage statement shows who services your loan now.
How Caliber Home Loans Compares
For Caliber Home Loans, "Loan modification,collection,foreclosure" accounts for 28.3% of CFPB mortgage complaints in this profile; volume fell 82% from 2023 to 2024, ranking it #21 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's upper third; this profile has no linked CFPB enforcement action. Company context: Acquired by NewRez Aug 2021. This profile retains the historical CFPB mortgage complaint record tracked for this servicer.
Compare the nearest profiles by complaint volume: M&T Bank and Seterus.
What Borrowers Complain About
Caliber Home Loans borrowers' most common complaint category is "Loan modification,collection,foreclosure" at 28.3% of all complaints, followed by "Trouble during payment process" at 22.1%. The three most cited specific problems are: "account status incorrect" (0.7%), "account information incorrect" (0.5%), "investigation took more than 30 days" (0.3%).
The third most common category is "Loan servicing, payments, escrow account" at 17.7%, representing 764 complaints.
Other frequently cited problems include "escrow, taxes, or insurance" (0.2%) and "trying to communicate with the company to fix an issue while managing or servicing your loan" (0.2%).
Complaint volume varied (2021: 230, 2022: 328, 2023: 148, 2024: 26).
Most complaints involve conventional mortgages (27.8%), followed by Conventional fixed mortgage (20.8%).
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Caliber Home Loans from 2012 to present.
Annual Complaints — Caliber Home Loans
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Caliber Home Loans
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Loan modification,collection,foreclosure | 1,221 | 28.3% |
| Trouble during payment process | 955 | 22.1% |
| Loan servicing, payments, escrow account | 764 | 17.7% |
| Struggling to pay mortgage | 603 | 14% |
| Applying for a mortgage or refinancing an existing mortgage | 245 | 5.7% |
| Closing on a mortgage | 170 | 3.9% |
| Other | 98 | 2.3% |
| Application, originator, mortgage broker | 96 | 2.2% |
| Incorrect information on your report | 59 | 1.4% |
| Settlement process and costs | 57 | 1.3% |
How Caliber Home Loans Responds
Caliber Home Loans closes 93.2% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 4% to the borrower, which is notably above average. Borrowers disputed 11.2% of Caliber Home Loans's responses — above the 8.3% industry average, indicating more borrowers felt their complaints were inadequately addressed.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 4,022 | 93.2% |
| Closed with monetary relief Monetary relief | 172 | 4% |
| Closed with non-monetary relief Non-monetary relief | 92 | 2.1% |
| Closed | 28 | 0.6% |
| Closed without relief | 2 | 0% |
Top States by Complaint Volume
View all 50 locations
| State | Complaints |
|---|---|
| CA | 628 |
| FL | 480 |
| NY | 321 |
| TX | 259 |
| NJ | 250 |
| GA | 177 |
| MD | 168 |
| WA | 152 |
| PA | 151 |
| IL | 129 |
| VA | 129 |
| NC | 109 |
| MA | 102 |
| MI | 95 |
| CO | 87 |
| AZ | 84 |
| OH | 76 |
| TN | 62 |
| IN | 57 |
| MO | 54 |
| CT | 53 |
| NV | 51 |
| OR | 49 |
| AL | 48 |
| LA | 44 |
| SC | 40 |
| WI | 39 |
| KY | 34 |
| UT | 32 |
| MN | 32 |
| OK | 27 |
| DE | 25 |
| DC | 25 |
| RI | 22 |
| NH | 17 |
| ME | 16 |
| HI | 15 |
| NE | 13 |
| IA | 13 |
| ID | 12 |
| WV | 12 |
| NM | 12 |
| MS | 12 |
| AR | 10 |
| AK | 9 |
| KS | 8 |
| WY | 7 |
| VT | 4 |
| SD | 3 |
| MT | 1 |
Caliber Home Loans's complaints concentrate in California (628), Florida (480), and New York (321). These three states account for 33% of all complaints. If you're dealing with Caliber Home Loans, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Florida and New York.
Enforcement Record
We don't list a CFPB enforcement action against Caliber Home Loans. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 4,316 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Caliber Home Loans, which responded to 99.1% of complaints within the required timeframe.
Regulator actions
Orders, settlements and charges from state and federal regulators, each as the official source states it. Our list is curated, so it may not include every action.
Settlement giving loan forgiveness to Caliber Home Loans, Inc. customers in New York whom Caliber had placed in interest-only loan modifications.
Up to $17 million in mortgage loan forgiveness
Search Caliber Home Loans Complaints
Browse the 500 most recent complaints filed against Caliber Home Loans. Filter by issue type, state, date range, or keyword. Try filtering by "Loan modification" — it represents 28.3% of all complaints. Most complaints originate from California.
Know Your Rights with Caliber Home Loans
File a CFPB Complaint
If Caliber Home Loans is mishandling your mortgage, file a complaint with the CFPB. Caliber Home Loans currently responds to 99.1% of complaints on time, ranking #44 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review Caliber Home Loans's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If Caliber Home Loans is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about Caliber Home Loans
How many complaints does Caliber Home Loans have?
Caliber Home Loans has 4,316 mortgage-related complaints in the CFPB database since 2012, ranking #21 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.1%, which is above the 98.8% average across the 75 largest servicers. Complaint volume fell 82% between 2023 and 2024.
What is the most common complaint about Caliber Home Loans?
The most common complaint category is "Loan modification,collection,foreclosure" at 28.3% of all complaints — loan modification, loss mitigation, and foreclosure disputes. Borrowers report delayed modification decisions, lost paperwork requiring repeated submissions, and dual tracking — where the servicer pursues foreclosure while a modification application is pending. The most frequently cited specific problem is "account status incorrect" (0.7% of complaints). The second most common category is "Trouble during payment process" at 22.1%.
Has Caliber Home Loans faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Caliber Home Loans. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 4,316 complaints, ranking #21 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against Caliber Home Loans?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Caliber Home Loans as the company. Select "Conventional home mortgage" as the sub-product — 27.8% of complaints against Caliber Home Loans fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Caliber Home Loans, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for Caliber Home Loans?
The 99.1% timely response rate means Caliber Home Loans responded to that share of complaints within the CFPB's applicable response window, ranking #44 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 4% and 2.1% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 93.2% — means the servicer responded but did not necessarily resolve the borrower's issue.