CFPB Consumer Complaint Profile

Arbor Residential Mortgage LLC

Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-08-14

334
Total complaints
Above average
2
Last 12 months
94.6%
Timely response
Below median
43
States affected

The verdict

Out of 3,843 financial companies in the CFPB database, Arbor Residential Mortgage LLC places #647 by volume. For answering complaints on time it stands at the 28th percentile in the 100+ complaint peer group.

Mortgage
most-complained product
CA
state with the most complaints

Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.

D
PlainCredit Trust Score
41/100
Arbor Residential Mortgage LLC · 3 of 3 dimensions reported

Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.

Timely Response D 94.6%
Share of complaints answered within the CFPB response window
Dispute Rate F 20.2%
Share of responses the consumer disputed (lower is better)
Relief Rate F 0.3%
Share of complaints closed with monetary or non-monetary relief

Arbor Residential Mortgage LLC vs. all companies by on-time response rate

Every company with 100+ CFPB complaints on file (1,335 total)

94.6% Around the middle higher than 28% of 1,335 companies

companies with 100+ CFPB complaints, bucketed by value

Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14

Reading this profile

Complaints by Product

Mortgage - Conventional fixed mortgage 176
Mortgage - Other mortgage 75
Mortgage - Conventional adjustable mortgage (ARM) 33
Mortgage - FHA mortgage 19
Mortgage - Home equity loan or line of credit 6
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 6
Debt collection - Mortgage 6
Mortgage - Conventional home mortgage 3
Debt collection - Auto debt 2
Debt collection - Other debt 2

Top Issues

1.Loan servicing, payments, escrow account 194
2.Loan modification,collection,foreclosure 82
3.Other 10
4.Credit decision / Underwriting 9
5.Settlement process and costs 8
6.Incorrect information on your report 6
7.Application, originator, mortgage broker 6
8.False statements or representation 3
9.Trouble during payment process 3
10.Attempts to collect debt not owed 3

Complaints by Year

Year Complaints
2012 17
2013 30
2014 75
2015 117
2016 70
2017 13
2018 7
2019 2
2022 1
2025 1
2026year in progress 1

Complaints by State (Top 15)

California 65
Florida 28
New Jersey 23
New York 21
Texas 19
Georgia 18
Maryland 14
Washington 14
Massachusetts 11
Oregon 10
Illinois 10
Arizona 10
Pennsylvania 9
Colorado 8
Virginia 7

Company Responses

Closed with explanation 270
Closed 62
Closed with non-monetary relief 1
Untimely response 1

What the CFPB Complaint Record Shows for Arbor Residential Mortgage LLC

The CFPB Consumer Complaint Database shows a nationwide complaint footprint for Arbor Residential Mortgage LLC, with consumers across the country filing against it. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Loan servicing, payments, escrow account," a reasonable starting point for understanding recurring friction.

The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.

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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.

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.

Nationwide companies with similar complaint volume or dispute rates

Two CFPB peer sets for Arbor Residential Mortgage LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.

Similar dispute rates

Nearest companies by share of complaints marked disputed (20.2% here).

Frequently Asked Questions

How many CFPB complaints does Arbor Residential Mortgage LLC have?

Arbor Residential Mortgage LLC has 334 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.

Does Arbor Residential Mortgage LLC respond to complaints on time?

Arbor Residential Mortgage LLC has a 94.6% timely response rate to CFPB complaints.

What product generates the most complaints for Arbor Residential Mortgage LLC?

"Mortgage" draws more CFPB complaints against Arbor Residential Mortgage LLC than any other product - see the full breakdown above.

What is the most common complaint issue with Arbor Residential Mortgage LLC?

"Loan servicing, payments, escrow account" is the single most frequently cited issue in complaints against Arbor Residential Mortgage LLC - see all issues and counts above.

How do I file a complaint against Arbor Residential Mortgage LLC?

You can file a complaint against Arbor Residential Mortgage LLC 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 Arbor Residential Mortgage LLC?

The CFPB has recorded complaints against Arbor Residential Mortgage LLC from 43 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.

Arbor Residential Mortgage LLC's complaint figures come from the CFPB Consumer Complaint Database, data through March 2026. See our methodology for details.