CFPB Consumer Complaint Profile
Cobalt Mortgage
Consumers have filed 11 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 11
- Total complaints
- Below average
- 0
- Last 12 months
- 63.6%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Cobalt Mortgage ranks #3589 of 3,843 financial companies by CFPB complaint volume, with 11 complaints on record. It posts a 63.6% on-time response rate, the 5th percentile among companies with 100+ complaints.
- #3589
- of 3,843 companies by volume
- 63.6%
- on time (5th pctile)
- Mortgage
- most-complained product
- 8
- 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.
Cobalt Mortgage vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
63.6% Among the lowest higher than 5% 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 |
| 2013 | 3 |
| 2014 | 3 |
| 2015 | 3 |
| 2022 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cobalt Mortgage
11 complaints against Cobalt Mortgage appear in the CFPB record, including 0 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Application, originator, mortgage broker" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Cobalt Mortgage draw a 63.6% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response carried a 30% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 9.1% closed with some form of monetary or non-monetary relief to 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, 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 Cobalt Mortgage have?
11 complaints have been filed against Cobalt Mortgage with the CFPB overall - 0 of them in the past year.
Does Cobalt Mortgage respond to complaints on time?
Cobalt Mortgage has a 63.6% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Cobalt Mortgage?
The most complained-about product for Cobalt Mortgage is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Cobalt Mortgage?
"Application, originator, mortgage broker" is the single most frequently cited issue in complaints against Cobalt Mortgage - see all issues and counts above.
How do I file a complaint against Cobalt Mortgage?
You can file a complaint against Cobalt Mortgage 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 Cobalt Mortgage?
Cobalt Mortgage has drawn CFPB complaints from 8 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 Cobalt Mortgage: 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 (30% 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.