Homepoint
Ranked #66 of 75 by complaint volume · 746 complaints · 97.9% timely response
How Homepoint Compares
For Homepoint, "Trouble during payment process" accounts for 63.7% of CFPB mortgage complaints in this profile; volume fell 98% from 2023 to 2025, ranking it #66 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's lower third; this profile has no linked CFPB enforcement action. Company context: Shut down 2023, servicing to Mr. Cooper. This profile retains the historical CFPB mortgage complaint record tracked for this servicer.
Compare the nearest profiles by complaint volume: Guaranteed Rate and Vanderbilt Mortgage.
What Borrowers Complain About
Homepoint borrowers' most common complaint category is "Trouble during payment process" at 63.7% of all complaints, followed by "Struggling to pay mortgage" at 14.7%. The three most cited specific problems are: "account status incorrect" (2.1%), "their investigation did not fix an error on your report" (0.9%), "account information incorrect" (0.7%).
The third most common category is "Applying for a mortgage or refinancing an existing mortgage" at 7.8%, representing 58 complaints.
Other frequently cited problems include "investigation took more than 30 days" (0.4%) and "credit inquiries on your report that you don't recognize" (0.3%).
Complaint volume varied (2021: 140, 2022: 122, 2023: 44, 2025: 1).
Most complaints involve conventional mortgages (57.4%), followed by FHA mortgages (23.6%).
Homepoint's consumer dispute rate of 0.8% is below the 8.3% industry average.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Homepoint from 2012 to present.
Annual Complaints — Homepoint
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Homepoint
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Trouble during payment process | 475 | 63.7% |
| Struggling to pay mortgage | 110 | 14.7% |
| Applying for a mortgage or refinancing an existing mortgage | 58 | 7.8% |
| Closing on a mortgage | 33 | 4.4% |
| Incorrect information on your report | 23 | 3.1% |
| Application, originator, mortgage broker | 12 | 1.6% |
| Problem with a credit reporting company's investigation into an existing problem | 9 | 1.2% |
| Loan servicing, payments, escrow account | 8 | 1.1% |
| Settlement process and costs | 6 | 0.8% |
| Credit decision / Underwriting | 5 | 0.7% |
How Homepoint Responds
Homepoint closes 98% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. Only The share of complaints closed with monetary relief was 1.1% to the borrower. Borrowers disputed 0.8% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 731 | 98% |
| Closed with monetary relief Monetary relief | 8 | 1.1% |
| Closed | 4 | 0.5% |
| Closed with non-monetary relief Non-monetary relief | 2 | 0.3% |
| Untimely response | 1 | 0.1% |
Top States by Complaint Volume
View all 44 locations
| State | Complaints |
|---|---|
| FL | 98 |
| CA | 86 |
| TX | 47 |
| NJ | 46 |
| GA | 34 |
| IL | 34 |
| MA | 34 |
| NY | 26 |
| PA | 23 |
| VA | 22 |
| OH | 22 |
| NC | 20 |
| MD | 17 |
| AZ | 17 |
| CO | 16 |
| TN | 15 |
| MO | 15 |
| RI | 14 |
| IN | 14 |
| MI | 14 |
| SC | 12 |
| WI | 10 |
| NE | 9 |
| AL | 8 |
| MN | 7 |
| NV | 7 |
| IA | 7 |
| DE | 7 |
| KS | 6 |
| OR | 6 |
| WA | 6 |
| OK | 4 |
| UT | 4 |
| NH | 3 |
| DC | 3 |
| ND | 2 |
| HI | 2 |
| AR | 2 |
| KY | 2 |
| MT | 2 |
| MS | 2 |
| CT | 2 |
| LA | 2 |
| ME | 1 |
Homepoint's complaints concentrate in Florida (98), California (86), and Texas (47). These three states account for 31% of all complaints. If you're dealing with Homepoint, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: Florida, California and Texas.
Enforcement Record
We don't list a CFPB enforcement action against Homepoint. 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 746 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Homepoint, which responded to 97.9% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for Homepoint. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search Homepoint Complaints
Browse the 500 most recent complaints filed against Homepoint. Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 63.7% of all complaints. Most complaints originate from Florida.
Know Your Rights with Homepoint
File a CFPB Complaint
If Homepoint is mishandling your mortgage, file a complaint with the CFPB. Homepoint currently responds to 97.9% of complaints on time, ranking #55 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 Homepoint's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in Florida (their highest complaint state), find local help.
Find Legal Aid
If Homepoint 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 Homepoint
How many complaints does Homepoint have?
Homepoint has 746 mortgage-related complaints in the CFPB database since 2012, ranking #66 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 97.9%, which is below the 98.8% average across the 75 largest servicers. Complaint volume fell 98% between 2023 and 2025.
What is the most common complaint about Homepoint?
The most common complaint category is "Trouble during payment process" at 63.7% of all complaints — payment processing problems — misapplied payments, escrow calculation errors, and billing disputes. Borrowers report payments credited late or to the wrong account, escrow shortages they weren't notified about, and unexplained fee charges. The most frequently cited specific problem is "account status incorrect" (2.1% of complaints). The second most common category is "Struggling to pay mortgage" at 14.7%.
Has Homepoint faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Homepoint. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 746 complaints, ranking #66 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 Homepoint?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Homepoint as the company. Select "Conventional home mortgage" as the sub-product — 57.4% of complaints against Homepoint fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Homepoint, 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 Homepoint?
The 97.9% timely response rate means Homepoint responded to that share of complaints within the CFPB's applicable response window, ranking #55 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 1.1% and 0.3% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 98% — means the servicer responded but did not necessarily resolve the borrower's issue.