Planet Home Lending phone numbers
Ranked #41 of 75 by complaint volume · 1,728 complaints · 96.5% timely response
Check your statement for the address for a notice of error or information request.
Check your statement for the address for a mortgage-assistance application.
Every number above is copied from Planet Home Lending's own site on the date shown. If one has changed, the number on your mortgage statement wins.
How Planet Home Lending Compares
For Planet Home Lending, "Trouble during payment process" accounts for 49.8% of CFPB mortgage complaints in this profile; volume rose 59% from 2024 to 2025, ranking it #41 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's middle third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: TD Bank and CIT Bank.
What Borrowers Complain About
Planet Home Lending borrowers' most common complaint category is "Trouble during payment process" at 49.8% of all complaints, followed by "Struggling to pay mortgage" at 27.3%. The three most cited specific problems are: "escrow, taxes, or insurance" (9.6%), "trying to communicate with the company to fix an issue while managing or servicing your loan" (9.4%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (7.2%).
The third most common category is "Applying for a mortgage or refinancing an existing mortgage" at 4.7%, representing 82 complaints.
Other frequently cited problems include "payment process" (6.1%) and "applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu" (4.3%).
Complaint volume rose for 3 consecutive years (2022: 147, 2023: 167, 2024: 180, 2025: 286).
Most complaints involve FHA mortgages (31.9%), followed by conventional mortgages (30.5%).
Planet Home Lending's consumer dispute rate of 1.6% is below the 8.3% industry average.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Planet Home Lending from 2012 to present.
Annual Complaints — Planet Home Lending
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Planet Home Lending
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Trouble during payment process | 861 | 49.8% |
| Struggling to pay mortgage | 471 | 27.3% |
| Applying for a mortgage or refinancing an existing mortgage | 82 | 4.7% |
| Closing on a mortgage | 75 | 4.3% |
| Loan modification,collection,foreclosure | 69 | 4% |
| Loan servicing, payments, escrow account | 67 | 3.9% |
| Incorrect information on your report | 51 | 3% |
| Application, originator, mortgage broker | 15 | 0.9% |
| Settlement process and costs | 9 | 0.5% |
| Problem with a credit reporting company's investigation into an existing problem | 9 | 0.5% |
How Planet Home Lending Responds
Planet Home Lending closes 92.8% 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 0.1% to the borrower. Borrowers disputed 1.6% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 1,604 | 92.8% |
| Closed | 82 | 4.7% |
| In progress | 41 | 2.4% |
| Closed with monetary relief Monetary relief | 1 | 0.1% |
Top States by Complaint Volume
View all 50 locations
| State | Complaints |
|---|---|
| CA | 215 |
| TX | 191 |
| FL | 169 |
| GA | 104 |
| IL | 60 |
| PA | 58 |
| NY | 56 |
| MD | 53 |
| NC | 53 |
| MI | 53 |
| NJ | 47 |
| VA | 46 |
| MO | 42 |
| CO | 40 |
| MS | 38 |
| LA | 38 |
| WA | 35 |
| AZ | 35 |
| TN | 31 |
| OH | 31 |
| IN | 30 |
| SC | 29 |
| AL | 25 |
| OK | 22 |
| CT | 21 |
| WI | 16 |
| AR | 15 |
| NM | 14 |
| MN | 14 |
| UT | 12 |
| MA | 11 |
| OR | 10 |
| NV | 10 |
| KY | 9 |
| KS | 9 |
| IA | 8 |
| AK | 7 |
| ID | 6 |
| MT | 5 |
| WV | 5 |
| DC | 4 |
| DE | 4 |
| HI | 3 |
| RI | 3 |
| SD | 2 |
| NE | 2 |
| NH | 2 |
| ME | 2 |
| WY | 1 |
| VT | 1 |
Planet Home Lending's complaints concentrate in California (215), Texas (191), and Florida (169). These three states account for 33% of all complaints. If you're dealing with Planet Home Lending, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Texas and Florida.
Enforcement Record
We don't list a CFPB enforcement action against Planet Home Lending. 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 1,728 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Planet Home Lending, which responded to 96.5% 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 Planet Home Lending. 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 Planet Home Lending Complaints
Browse the 500 most recent complaints filed against Planet Home Lending. Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 49.8% of all complaints. Most complaints originate from California.
Know Your Rights with Planet Home Lending
File a CFPB Complaint
If Planet Home Lending is mishandling your mortgage, file a complaint with the CFPB. Planet Home Lending currently responds to 96.5% of complaints on time, ranking #65 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 Planet Home Lending'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 Planet Home Lending 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 Planet Home Lending
How many complaints does Planet Home Lending have?
Planet Home Lending has 1,728 mortgage-related complaints in the CFPB database since 2012, ranking #41 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 96.5%, which is below the 98.8% average across the 75 largest servicers. Complaint volume rose 59% between 2024 and 2025.
What is the most common complaint about Planet Home Lending?
The most common complaint category is "Trouble during payment process" at 49.8% 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 "escrow, taxes, or insurance" (9.6% of complaints). The second most common category is "Struggling to pay mortgage" at 27.3%.
Has Planet Home Lending faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Planet Home Lending. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 1,728 complaints, ranking #41 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 Planet Home Lending?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Planet Home Lending as the company. Select "FHA mortgage" as the sub-product — 31.9% of complaints against Planet Home Lending fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Planet Home Lending, 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 Planet Home Lending?
The 96.5% timely response rate means Planet Home Lending responded to that share of complaints within the CFPB's applicable response window, ranking #65 of 75 servicers. The industry average is 98.8%. "Closed with explanation" — the most common outcome at 92.8% — means the servicer responded but did not necessarily resolve the borrower's issue.