SN Servicing hardship complaints make up 53.5% of its mortgage record
Complaints about struggling to pay make up 53.5% of SN Servicing’s CFPB mortgage record. SN Servicing handles specialty mortgages. Its customer service number is 800-603-0836. Mail payments to the address on your current statement.
Next edition expected January 2027
SN Servicing phone and error-letter address
The company’s contact page identifies its customer service number and the written-request address. Its foreclosure-help page repeats the number for connecting with a personal asset manager.
SN Servicing asset manager and customer service
1-800-603-0836SN says customer service connects borrowers to an assigned asset manager. Its hardship page labels the weekday hours 8 a.m. to 5 p.m. PST.
Listed on snsc.com · checked Oct 23, 2026
Written inquiries, requests for information and notices of error
SN Servicing Corporation
323 5th Street
Eureka, CA 95501
The company expressly designates this Eureka address for written inquiries, requests for information and notices of error.
Listed on snsc.com · checked Oct 23, 2026
SN also lists a Baton Rouge office and number for some borrowers. Its site says the welcome letter identifies the appropriate asset manager. The Eureka address above is the one its contact page labels for formal written requests.
American Default is independent of SN Servicing.
SN directs hardship questions to an assigned asset manager
SN’s avoid-foreclosure page directs borrowers without an assigned asset manager to customer service. The page discusses payment plans and other possible solutions.
A conversation about assistance is different from a written notice alleging a servicing error. SN names a specific address for notices of error and information requests on its contact page. Both routes are printed above.
More than half of SN complaints are about struggling to pay
Since May 1, 2017, 53.5% of mortgage complaints under SN SERVICING CORPORATION have the CFPB issue “Struggling to pay mortgage.” At the median of 74 other companies with at least 200 complaints, the share is 23.1%.
SN says it specializes in re-performing and seriously delinquent loans for investors. Its hardship-complaint share is measured against a broad company group; these data do not show the payment status of loans when SN took them on.
This chart compares shares among people who complained, using the same mortgage issue categories.
The chart places the SN issue shares beside the typical company’s shares for the same issue categories.
Hardship accounts for 53.5% of SN complaints
Mortgage complaint shares by issue, May 1, 2017 to October 20, 2026
This company Median of other companies
Struggling to pay mortgage
Trouble during payment process
Closing on a mortgage
Applying for a mortgage or refinancing an existing mortgage
Incorrect information on your report
Unable to get your credit report or credit score
Entrance to the Consumer Financial Protection Bureau in Washington, D.C. CFPB contact page
SN’s annual complaint count peaked at 114 in 2021
The CFPB recorded 105 SN complaints in all of 2025 and 97 through October 20, 2026. It marked 100.00% of complaints answered on time from January 2025 through October 20, 2026.
The response mix shows 100.0% closed with an explanation. The CFPB data provide no count of SN-serviced loans.
The annual bars show the 2021 peak and the partial 2026 count; the equal-window comparison follows.
SN’s 2021 count of 114 was its highest full year
CFPB mortgage complaints by year; 2026 is incomplete
SN Servicing drew 117 complaints in the latest year
The CFPB recorded 117 mortgage complaints under “SN SERVICING CORPORATION” from October 21, 2025, through October 20, 2026. The same label had 115 from October 21, 2024, through October 20, 2025.
These are equal windows by received date. The chart compares the two periods; the annual chart above shows longer history.
SN Servicing counts changed little across equal years
Mortgage complaints received in equal 12-month windows
Continue to SN’s welcome letter identifies the borrower’s asset manager →
SN’s welcome letter identifies the borrower’s asset manager
It says the letter gives contact details for the personal asset manager.
SN’s page prints different office numbers for Eureka and Baton Rouge. The borrower’s own welcome letter identifies which one to use for that account. The designated Eureka written-request address remains separately labeled on SN’s contact page.
SN’s asset-manager route is separate from its written-request address →
SN’s asset-manager route is separate from its written-request address
SN says its customer team can connect a borrower to the assigned asset manager. Its contact page separately names the Eureka address for information requests and error notices (SN borrower page; SN contact page).
A CFPB complaint asks SN to answer a reported problem. A HUD-approved housing counselor can discuss general options for free.
USAGov lists the state consumer protection offices that accept reports of deceptive mortgage practices. The CFPB also lists state bank regulators.
SN Servicing orders and two borrower appeals
The five state and HUD penalties below concern different historical requirements. Two court rulings address separate borrower claims.
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Mar 11, 2026
U.S. Court of Appeals for the Fifth Circuit Unpublished appellate decision
A borrower sought to stop a foreclosure and sued SN Servicing and a trustee. The district court dismissed her complaint for failure to state a claim.
Admitted wrongdoing? No company admission is stated in the decision.
No penalty or borrower restitution stated.
Status: The Fifth Circuit affirmed dismissal in March 2026 because the appellant had not adequately briefed her claims. · Bradford v. SN Servicing appellate decision
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Oct 15, 2025
New York Appellate Division Appeal from dismissal of a proposed class action
A borrower alleged that SN and another company made a deceptive payment demand after bankruptcy. The lower court dismissed the complaint.
Admitted wrongdoing? No wrongdoing was admitted in the court decision.
Status: The New York appellate court affirmed dismissal in October 2025. The state’s highest court granted leave to appeal on May 28, 2026, so the dismissal is under review. · Gregg v. SN Servicing Corporation, New York Appellate Division
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Nov 21, 2022
HUD Mortgagee Review Board Settlement announced in Federal Register
HUD alleged SN did not maintain the required adjusted net worth for fiscal 2021 and did not promptly report the deficiency to FHA.
Admitted wrongdoing? The settlement did not constitute an admission of liability or fault.
$20,732 civil penalty to HUD; no borrower restitution stated.
Status: The Board voted for a 2022 settlement. · HUD Mortgagee Review Board 2022 actions
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May 12, 2020
HUD Mortgagee Review Board Settlement agreement
HUD alleged SN failed to tell the agency on time about a state sanction in fiscal year 2019.
Admitted wrongdoing? HUD says the settlement did not constitute an admission of liability or fault.
$9,819 civil penalty to HUD; no borrower restitution stated.
Status: The board voted to enter the settlement in May 2020. · Federal Register, Mortgagee Review Board administrative actions
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Jan 14, 2019
New York Department of Financial Services Consent order
New York found SN failed to register, secure and maintain two vacant homes in Gloversville while it serviced the loans. This concerned duties on vacant properties, not a finding about the later CFPB complaints.
Admitted wrongdoing? The order states the department’s findings. It does not say SN admitted those findings.
$100,000 civil penalty to New York; no borrower restitution stated.
Status: Paragraph 15 says the order remains in effect unless stayed or terminated in writing by the Superintendent. · New York DFS consent order to SN Servicing Corporation
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Dec 11, 2018
HUD Mortgagee Review Board Settlement announced in Federal Register
HUD alleged SN had net-worth, liquidity and reporting failures in fiscal 2016 and 2017 and submitted a false certification to HUD/FHA.
Admitted wrongdoing? The settlement did not constitute an admission of liability or fault.
$46,714 civil penalty to HUD; no borrower restitution stated.
Status: The Board accepted a 2018 settlement. · HUD Mortgagee Review Board 2018 actions
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Apr 25, 2018
HUD Mortgagee Review Board Published settlement notice
HUD listed SN among lenders that missed annual FHA recertification requirements but later came into compliance. The notice covers Board actions taken from October 2016 through September 2017.
Admitted wrongdoing? The settlement did not constitute an admission of liability or fault.
$4,500 civil penalty to HUD; no borrower restitution stated.
Status: The notice reports a settlement; it does not give the exact vote date or later payment completion. · HUD Mortgagee Review Board recertification notice
All five penalties went to New York or HUD, not to borrowers. The court decisions resolved different claims; neither imposed a government penalty.
Ask SN for help or information
The company lists an asset-manager route and a distinct address for formal written inquiries. Free outside help appears below.
- 1
The welcome letter names an asset manager
You can use the number in your welcome letter. SN says its customer team at 800-603-0836 can connect you if you do not know the assignment.
Source: SN borrower page
- 2
SN designates a written-request address
You can use the Eureka address printed above for a servicing notice of error or information request, as SN’s contact page says.
Source: SN contact page
- 3
HUD counseling is free
You can ask a HUD-approved housing counselor to explain general mortgage options without paying for counseling.
- 4
Check the latest statement
SN’s welcome letter names the assigned asset manager. A servicing transfer notice gives the date a new company takes over payments.
- 5
Put a servicing error in writing
SN prints its Eureka address above for error notices and information requests. Regulation X requires written notice of a designated address and its listing on servicing websites that give contact addresses.
- 6
Use an independent complaint route
The CFPB database labels this company “SN SERVICING CORPORATION.” USAGov lists state and federal mortgage complaint routes.
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Thanks, that helps.
Questions about SN Servicing
Is the Baton Rouge office the error-letter address?
SN’s contact page prints Baton Rouge as an asset-manager office. It separately directs written inquiries, information requests and error notices to its Eureka address.
Does a timely CFPB reply mean SN agreed with a borrower?
No. The timing field records when a company answered.
How can I find my SN asset manager?
SN says the welcome letter identifies the assigned asset manager.
Did the 2026 Bradford ruling find SN violated foreclosure law?
No. The Fifth Circuit affirmed dismissal because the appellant had not adequately briefed her claims.
Did the $100,000 New York order pay borrowers?
The 2019 order imposed a $100,000 penalty payable to New York. It states no borrower restitution.
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 Consumer Financial Protection Bureau 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. We counted mortgage complaints the CFPB received under the CFPB company name “SN SERVICING CORPORATION” through October 20, 2026. The 2026 annual bar ends October 20. The two-window chart covers October 21, 2024, through October 20, 2026. Issue shares use May 1, 2017 through October 20, 2026 and compare this company with the median across 74 eligible peer companies with at least 200 complaints in that period. Recent response shares use January 1, 2025 through October 20, 2026 and compare with the median across 41 eligible peers with at least 200 complaints in that window. The comparison includes Valon Technologies, Inc., which has no profile in this directory. The CFPB does not verify complaint allegations. We lack the company’s serviced-loan count, so these are not complaint rates. Regulator and court searches were conducted October 21, 2026. Updated: October 2026 · Next review expected: January 2027.
What this page relies on (20 sources)
- 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.
- Contact page
- Borrower page
- Foreclosure help
- New York DFS order
- HUD Mortgagee Review Board notice
- Gregg court decision
- 2026 Bradford appellate decision
- Consumer complaint publication and verification limits
- How to submit a CFPB complaint
- Housing counselor search
- 2022 HUD settlement
- 2018 HUD net-worth settlement
- 2018 HUD recertification notice
- State consumer protection offices
- Find a state bank regulator
- Mortgage error-resolution rule
- Where to complain about a mortgage company
- New York Court of Appeals May 28, 2026 Gregg decision list
- SN servicing focus
We write with assistance from AI tools. Figures come from the data and sources named on this page.