CFPB Consumer Complaint Profile
Commerce Home Mortgage, Inc
51 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 51
- Total complaints
- Mid-range
- 4
- Last 12 months
- 84.3%
- Timely response
- Bottom quartile
- 12
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Commerce Home Mortgage, Inc sits at #1807, with 51 complaints logged. Its on-time response rate is 84.3%, the 12th percentile among companies with 100+ complaints.
- #1807
- of 3,843 companies by volume
- 84.3%
- on time (12th pctile)
- Mortgage
- most-complained product
- 12
- 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.
Commerce Home Mortgage, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
84.3% Among the lowest higher than 12% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 1 |
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 6 |
| 2021 | 9 |
| 2022 | 8 |
| 2023 | 8 |
| 2024 | 9 |
| 2025 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Commerce Home Mortgage, Inc
Commerce Home Mortgage, Inc carries 51 complaints in the CFPB's database, 4 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Commerce Home Mortgage, Inc posts a 84.3% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Consumers formally disputed the company's response at a 50% 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 3.9%.
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 Commerce Home Mortgage, Inc have?
Commerce Home Mortgage, Inc has 51 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Commerce Home Mortgage, Inc respond to complaints on time?
Commerce Home Mortgage, Inc has a 84.3% timely response rate to CFPB complaints.
What product generates the most complaints for Commerce Home Mortgage, Inc?
Among all products tied to Commerce Home Mortgage, Inc, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Commerce Home Mortgage, Inc?
The most common issue reported by consumers about Commerce Home Mortgage, Inc is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against Commerce Home Mortgage, Inc?
You can file a complaint against Commerce Home Mortgage, Inc 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 Commerce Home Mortgage, Inc?
Commerce Home Mortgage, Inc has drawn CFPB complaints from 12 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 Commerce Home Mortgage, Inc: 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 (50% 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.