CFPB Consumer Complaint Profile
Certainty Home Loans LLC
Behind the 13 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
- 13
- Total complaints
- Below average
- 0
- Last 12 months
- 92.3%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Certainty Home Loans LLC has accumulated 13 complaints, placing it #3408 by volume. On-time replies land at 92.3%, the 22nd percentile for the 100+ complaint peer group.
- #3408
- of 3,843 companies by volume
- 92.3%
- on time (22nd pctile)
- Mortgage
- most-complained product
- 4
- states with complaints
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.
Certainty Home Loans LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.3% Among the lowest higher than 22% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2014 | 5 |
| 2015 | 1 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Certainty Home Loans LLC
13 complaints against Certainty Home Loans LLC appear in the CFPB record, including 0 from the trailing year. The 4 states and territories represented put this footprint in geographically concentrated territory. "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 "Application, originator, mortgage broker," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Certainty Home Loans LLC draw a 92.3% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response at a 33.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 30.8%.
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.
Frequently Asked Questions
How many CFPB complaints does Certainty Home Loans LLC have?
Certainty Home Loans LLC has 13 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Certainty Home Loans LLC respond to complaints on time?
CFPB complaints against Certainty Home Loans LLC draw a 92.3% timely-response rate inside the expected window.
What product generates the most complaints for Certainty Home Loans LLC?
"Mortgage" draws more CFPB complaints against Certainty Home Loans LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Certainty Home Loans LLC?
Consumers most often cite "Application, originator, mortgage broker" when complaining about Certainty Home Loans LLC; the full issue list with counts is above.
How do I file a complaint against Certainty Home Loans LLC?
You can file a complaint against Certainty Home Loans 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 Certainty Home Loans LLC?
Certainty Home Loans LLC has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Certainty Home Loans 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 (33.3% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.