CFPB Consumer Complaint Profile

Arbor Residential Mortgage LLC

Behind the 334 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

334
Total complaints
2
Last 12 months
94.6%
Timely response
43
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Arbor Residential Mortgage LLC has accumulated 334 complaints, placing it #648 by volume. 94.6% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#648
of 3,848 companies by volume
94.6%
answered on time
Mortgage
most-complained product
43
states with complaints
Arbor Residential Mortgage LLC timely response rate 94.6%
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 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
2026 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 has logged 334 complaints against Arbor Residential Mortgage LLC overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 43 states and territories, making this a nationwide complaint footprint. "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.

94.6% of CFPB-forwarded complaints against Arbor Residential Mortgage LLC get a reply inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response in 20.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0.3% 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 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.

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