Who is your mortgage servicer? Your servicer is the company you send your mortgage payment to. Check your monthly statement if you're not sure.
Choose a servicer... 21st Mortgage AmeriHome Mortgage AmeriSave Mortgage Arvest Bank Banco Popular de Puerto Rico Bank of America BB&T (Historical) BBVA USA (Historical) BMO Bank BSI Financial Caliber Home Loans (Historical) Capital One Cardinal Financial Carrington Mortgage CIT Bank (Historical) Citibank Citizens Financial CMG Financial Community Loan Servicing CrossCountry Mortgage Ditech Financial (Historical) Dovenmuehle Mortgage EverBank Fay Servicing Fifth Third Bank Flagstar Bank Freedom Mortgage Guaranteed Rate Guild Mortgage Homepoint (Historical) HSBC North America (Historical) Huntington Bank JPMorgan Chase KeyBank Lakeview Loan Servicing LoanCare loanDepot M&T Bank MidFirst Bank Mr. Cooper Nationstar Mortgage Navy Federal Credit Union New American Funding NYCB / Flagstar Financial (Historical) Ocwen / Onity Group PenFed Credit Union PennyMac PHH Mortgage Planet Home Lending PNC Bank Real Time Resolutions Regions Bank Residential Credit Solutions (Historical) Reverse Mortgage Solutions Rocket Mortgage RoundPoint Mortgage Rushmore Loan Management Santander Bank Select Portfolio Servicing Selene Finance ServiceMac Seterus (Historical) Shellpoint / NewRez SN Servicing Specialized Loan Servicing Statebridge Company SunTrust Banks (Historical) TD Bank The Money Source (TMS) Truist Financial U.S. Bank United Wholesale Mortgage (UWM) USAA Vanderbilt Mortgage Village Capital Wells Fargo
Don't see your servicer? They may have fewer than 500 CFPB complaints. View all tracked servicers or search complaints directly .
Total Complaints
out of 440,896 mortgage complaints
Timely Response Rate
Industry average: 99.0%
Consumer Dispute Rate
Industry average: 8.7%
Closed with Explanation
% of complaints resolved with an explanation
How They Compare Timely Response Dispute Rate CFPB Enforcement Actions No enforcement actions on record with the CFPB.
What to Do If You Have a Problem 1
Document everything Keep copies of all letters, emails, and phone logs. Note dates, names, and reference numbers.
3
Contact a HUD counselor Free, government-certified counselors can intervene on your behalf. Find one near you .
5
Send a demand letter For specific violations, a formal demand letter citing the law can force a response. Know your rights .
6
Get legal help If your servicer is violating federal law or you're facing foreclosure, contact a legal aid attorney. Find free legal aid .
About This Tool The Servicer Report Card grades 76 mortgage servicers (all with 500+ complaints) using public data from the CFPB Consumer Complaint Database . Over 440,000 mortgage complaints are analyzed for response timeliness, consumer satisfaction, and regulatory enforcement history.
Your mortgage servicer controls your escrow account, processes your payments, and manages loss mitigation if you fall behind. If they don't respond to your requests, your options narrow fast. Knowing their track record helps you prepare.
For a deeper look at any servicer — yearly trends, state breakdowns, complaint search — visit the full servicer profiles .