LoanCare mortgage complaints reached 827, twice the prior year
The CFPB recorded 827 mortgage complaints under LoanCare’s name in the latest 12 months, twice the prior year. LoanCare services mortgages for other owners. Use the phone number on your current statement for account questions. Mail payments to the address on your current statement.
Next edition expected January 2027
How to find the LoanCare contacts for your account
LoanCare services loans for other owners. Your current statement gives the account phone number. For an error notice or information request, use the address specifically designated for those letters. American Default publishes independently of LoanCare.
LoanCare’s financial-assistance page says borrowers can start an application after signing in.
Who owns a mortgage that LoanCare services?
LoanCare, a Fidelity National Financial company, services mortgages for other owners. Lakeview lists LoanCare as one of its servicing partners. For Lakeview loans handled by LoanCare, the published line is 800-509-0183.
LoanCare usually does not own the loan it services. Regulation X lets a borrower request the owner’s name and contact information in writing, with a 10-business-day response period. The request goes to the address designated for information requests, if LoanCare has named one.
LoanCare’s contact page is the company route for contact information. A borrower can ask LoanCare to identify its designated address for error notices and information requests. An ordinary payment address serves a different purpose.
LoanCare payment complaints exceed the typical company share
The CFPB labels 64.2% of LoanCare mortgage complaints since May 1, 2017, as trouble during the payment process. The median share is 50.4% among 74 other mortgage companies in this comparison, each with at least 200 mortgage complaints in that period.
Borrowers also filed complaints labeled “Struggling to pay mortgage.” Those make up 22.7% of LoanCare’s record.
Closing and application complaints make up 3.9% and 3.8% of LoanCare’s record, respectively. Their peer medians are 7.5% and 9.9%. Those two categories concern the start of a mortgage, while the leading payment issue concerns servicing after closing.
Among 946 payment-process complaints with a subissue, 31.2% concerned trying to communicate with the company about account management. Escrow, tax or insurance issues made up 30.9% of that subset.
Payment problems account for 64.2% of LoanCare complaints
This company Median of other companies
Trouble during payment process
Struggling to pay mortgage
Closing on a mortgage
Applying for a mortgage or refinancing an existing mortgage
Incorrect information on your report
Problem with a credit reporting company's investigation into an existing problem
LoanCare complaints doubled in a year
The current window runs October 21, 2025, through October 20, 2026. The previous window covers the same calendar days one year earlier. Both counts use only the CFPB label “LoanCare, LLC.”
The count increased by 443. It covers complaints filed under LoanCare’s name. Lakeview names LoanCare as a servicing partner, but complaints filed under Lakeview’s name remain in a separate CFPB record.
LoanCare: 384 before, 827 now
How did LoanCare complaints change before the latest rise?
The CFPB annual series under “LoanCare, LLC” reached 997 complaints in 2021, then fell to 302 in 2024. The count rose to 456 in 2025. The 2026 bar covers January 1 through October 20, rather than a full year.
LoanCare: 456 in 2025 and 705 through October 20, 2026
How the CFPB closed recent LoanCare complaints
Among complaints received from January 1, 2025, through October 20, 2026, 96.4% were closed with an explanation. The CFPB records none as closed with monetary relief and none with nonmonetary relief.
In the latest 12 months, the CFPB marked 827 of 827 LoanCare replies on time. The typical company among 32 others with at least 200 complaints in those months also had no late reply recorded.
How to ask LoanCare about payment trouble
LoanCare’s financial assistance page says a borrower can begin an assistance application after signing in. The public page does not identify which option fits a particular loan.
If the account is serviced for Lakeview, Lakeview’s partner list gives a separate LoanCare contact. The statement’s number is the loan-specific starting point. A HUD-approved housing counselor can review options without charging for counseling.
A borrower who suspects a payment posting error can send a written notice of error to the address designated for that purpose. A hardship application follows a separate process through LoanCare’s assistance portal.
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Identify the company on the statement
LoanCare collects payments for other owners. The billing statement and transfer notice identify the servicer for a particular loan.
Source: Lakeview borrower FAQ
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Ask what mortgage assistance application applies
LoanCare directs homeowners to its assistance portal and offers customer support. The application is completed in the borrower’s own account.
Source: LoanCare assistance page
Where can a LoanCare borrower complain?
The CFPB complaint form asks LoanCare for a response. For a state complaint, use the CFPB directory of state banking regulators to find the agency for your state.
The Consumer Financial Protection Bureau accepts mortgage complaints from borrowers. CFPB contact page
LoanCare regulator and court record
The CFPB brought separate orders against LoanCare and payment processor Paymap on July 28, 2015. LoanCare’s order concerned advertising for the Equity Accelerator program. The LoanCare order imposed a $100,000 civil penalty. Paymap’s separate order carried fee refunds and a larger penalty.
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Jul 28, 2015
Consumer Financial Protection Bureau Administrative consent order
The bureau found deceptive advertising for the Equity Accelerator payment program in LoanCare’s separate order.
Admitted wrongdoing? LoanCare neither admitted nor denied the findings, apart from facts establishing the bureau’s jurisdiction.
$100,000 civil penalty for LoanCare. In a separate order, Paymap had to return $33.4 million in fees and pay a $5 million penalty.
Status: Final order entered July 28, 2015. · CFPB LoanCare enforcement case
What do the federal written-request rules say?
These deadlines describe ordinary cases; exceptions and extensions apply.
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Written requests: route and response times
For a LoanCare error notice, Regulation X section 35 calls for acknowledgment within five business days and a substantive answer within 30. Section 36 sets 30 business days for information requests and 10 for owner identification. These requests use the address designated for them, if LoanCare has named one; a payment address is a different route.
Source: Consumer Financial Protection Bureau Regulation X, sections 35 and 36
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Thanks, that helps.
Questions about LoanCare
I have a Lakeview loan serviced by LoanCare. Which number does Lakeview print?
Lakeview lists 800-509-0183 for its accounts handled by LoanCare. Your latest statement names the servicer and its account phone number.
How do I ask LoanCare who owns my mortgage?
Regulation X lets a borrower request the loan owner’s name and contact information in writing from the servicer. The current statement identifies the servicer; its notices or customer-service team can identify the designated information-request address. The regulation sets a 10-business-day response period.
Where does a LoanCare borrower start an assistance request?
LoanCare’s public financial-assistance page directs borrowers to sign in and begin an application. The current statement gives the phone route for account-specific questions.
What did the 2015 LoanCare order require it to pay?
The CFPB ordered LoanCare to pay a $100,000 civil penalty. Paymap’s separate proceeding carried the $33.4 million fee return and $5 million penalty.
Protect yourself from scams
The FTC and CFPB describe these warning signs and the rules behind them:
- Upfront fees for promised relief are a warning sign. Under FTC mortgage-assistance rules, most companies that sell mortgage help cannot charge until a homeowner accepts a written offer from the mortgage company or lender. A separate FTC rule covers debt-relief companies that sell by phone and ties fees to a completed debt arrangement. It bars a fee until at least one debt has been settled or changed, the customer agrees to the arrangement, and the customer has made a payment under it. The FTC describes a narrow exception for lawyers who give help as part of the practice of law and are licensed in the state where the client or dwelling is. The lawyer follows that state's rules for attorneys, and advance fees are placed in a client trust account before services begin under state trust-account rules.
- HUD-approved foreclosure-prevention counseling is free. HUD’s national counselor line is 800-569-4287. The CFPB counselor finder lists agencies and their services. If an organization charges for help described as free HUD counseling, the CFPB finder can verify the agency and its listed services before any payment.
- A request to sign over a deed is a warning sign. The CFPB identifies title-transfer schemes among foreclosure-relief scams. Signing over title can mean losing ownership of the home; a lawyer can explain what a proposed document would do.
- Foreclosure protections depend on timing and the loan. Regulation X generally bars the first foreclosure notice or filing on a principal-residence loan until the borrower is more than 120 days behind, subject to exceptions. A complete assistance application can delay some foreclosure steps, but that depends on when it arrives; it does not necessarily stop every step. The CFPB warns about promises to “save” a home.
Free help if you're behind
Housing counselors approved by the U.S. Department of Housing and Urban Development work at nonprofit agencies. The Consumer Financial Protection Bureau describes free foreclosure-avoidance counseling, including help with mortgage-company conversations and available options Source CFPB.
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HUD-approved housing counselors
Our help directory lists 1,010 agencies approved for foreclosure counseling, by state.
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Legal aid
Nonprofit law offices give free civil legal help to people with low incomes. Our help directory lists the 120 offices the Legal Services Corporation funds.
Every figure on this page, with its period and the CFPB filter behind it, in one file. Free to use with credit to American Default Research.
Sources and method
We gather the data, run the numbers and research each company ourselves. The CFPB does not verify each borrower account before publication. We count mortgage complaints filed as “LoanCare, LLC” through the date on each chart. Comparisons use the middle share among other mortgage companies with at least 200 complaints in each chart’s period; Lakeview’s separately labeled complaints are outside LoanCare’s count. Updated: October 2026 · Next review expected: January 2027.
- Consumer Financial Protection Bureau, Consumer Complaint Database Mortgage complaints about the company, received through Oct 20, 2026. Our counts from the CFPB's complaint records.
- Owner and subservicing identity
- Company contact information
- Assistance application
- 2015 payment-program order
- LoanCare stipulation
- CFPB mortgage complaint data
- State regulator complaint directory
- Free housing counseling
We write with assistance from AI tools. Figures come from the data and sources named on this page.