CFPB Consumer Complaint Profile
E Mortgage Capital, Inc.
Consumers have filed 54 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
- 54
- Total complaints
- Mid-range
- 19
- Last 12 months
- 100%
- Timely response
- Top decile
- 19
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, E Mortgage Capital, Inc. has accumulated 54 complaints, placing it #1757 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1757
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 19
- 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.
E Mortgage Capital, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2020 | 4 |
| 2021 | 3 |
| 2022 | 6 |
| 2023 | 6 |
| 2024 | 12 |
| 2025 | 14 |
| 2026year in progress | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for E Mortgage Capital, Inc.
The CFPB Consumer Complaint Database has logged 54 complaints against E Mortgage Capital, Inc. overall, with 19 of those filed in the trailing 12 months. Reports have come from consumers in 19 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Applying for a mortgage or refinancing an existing mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, E Mortgage Capital, Inc. posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, 1.9% 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 E Mortgage Capital, Inc. have?
The CFPB has logged 54 complaints against E Mortgage Capital, Inc. to date, of which 19 came in over the last 12 months.
Does E Mortgage Capital, Inc. respond to complaints on time?
E Mortgage Capital, Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for E Mortgage Capital, Inc.?
Among all products tied to E Mortgage Capital, Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with E Mortgage Capital, Inc.?
"Applying for a mortgage or refinancing an existing mortgage" is the single most frequently cited issue in complaints against E Mortgage Capital, Inc. - see all issues and counts above.
How do I file a complaint against E Mortgage Capital, Inc.?
You can file a complaint against E Mortgage Capital, 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 E Mortgage Capital, Inc.?
E Mortgage Capital, Inc. has drawn CFPB complaints from 19 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.
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.