CFPB Consumer Complaint Profile

21st Mortgage Corp.

What 1,012 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

1,012
Total complaints
171
Last 12 months
99.6%
Timely response
50
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, 21st Mortgage Corp. sits at #322, with 1,012 complaints logged. Its on-time response rate is 99.6%, ahead of the 93% median among companies with 100+ complaints.

#322
of 3,848 companies by volume
99.6%
answered on time
Mortgage
most-complained product
50
states with complaints
21st Mortgage Corp. timely response rate 99.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Mortgage - Conventional home mortgage 277
Mortgage - Manufactured home loan 161
Mortgage - Conventional fixed mortgage 132
Mortgage - Other mortgage 106
Mortgage - Other type of mortgage 84
Credit reporting or other personal consumer reports - Credit reporting 64
Mortgage - FHA mortgage 46
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 33
Mortgage - Conventional adjustable mortgage (ARM) 24
Debt collection - Mortgage debt 18

Top Issues

1.Struggling to pay mortgage 250
2.Trouble during payment process 191
3.Loan modification,collection,foreclosure 140
4.Loan servicing, payments, escrow account 116
5.Applying for a mortgage or refinancing an existing mortgage 60
6.Incorrect information on your report 57
7.Closing on a mortgage 47
8.Improper use of your report 27
9.Application, originator, mortgage broker 26
10.Problem with a company's investigation into an existing problem 15

Complaints by Year

Year Complaints
2012 20
2013 33
2014 83
2015 83
2016 76
2017 73
2018 57
2019 32
2020 55
2021 68
2022 71
2023 71
2024 87
2025 175
2026 28

Complaints by State (Top 15)

Texas 178
Florida 100
California 75
Georgia 58
Louisiana 54
Michigan 41
Alabama 38
North Carolina 35
South Carolina 35
New York 34
Mississippi 34
Oklahoma 26
Tennessee 23
Arizona 19
Pennsylvania 19

Company Responses

Closed with explanation 1,000
Closed with non-monetary relief 9
Closed with monetary relief 2
Closed 1

What the CFPB Complaint Record Shows for 21st Mortgage Corp.

1,012 complaints against 21st Mortgage Corp. appear in the CFPB record, including 171 from the trailing year. The 50 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Struggling to pay mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

21st Mortgage Corp.'s timely response rate stands at 99.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 24.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 1.1% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does 21st Mortgage Corp. have?

21st Mortgage Corp. has 1,012 total consumer complaints filed with the CFPB, with 171 filed in the last 12 months.

Does 21st Mortgage Corp. respond to complaints on time?

21st Mortgage Corp.'s CFPB timely-response rate is 99.6%. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for 21st Mortgage Corp.?

Among all products tied to 21st Mortgage Corp., "Mortgage" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with 21st Mortgage Corp.?

"Struggling to pay mortgage" is the single most frequently cited issue in complaints against 21st Mortgage Corp. - see all issues and counts above.

How do I file a complaint against 21st Mortgage Corp.?

You can file a complaint against 21st Mortgage Corp. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about 21st Mortgage Corp.?

The CFPB has recorded complaints against 21st Mortgage Corp. from 50 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.