CFPB Consumer Complaint Profile
Embrace Home Loans
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 147
- Total complaints
- Mid-range
- 2
- Last 12 months
- 95.9%
- Timely response
- Below median
- 37
- States affected
The verdict
By CFPB complaint volume, Embrace Home Loans is #1104 out of 3,843 financial companies. For answering complaints on time it stands at the 33rd percentile in the 100+ complaint peer group.
- Mortgage
- most-complained product
- MD
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Embrace Home Loans vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.9% Around the middle higher than 33% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 8 |
| 2013 | 23 |
| 2014 | 20 |
| 2015 | 19 |
| 2016 | 25 |
| 2017 | 14 |
| 2018 | 9 |
| 2019 | 5 |
| 2020 | 7 |
| 2021 | 7 |
| 2022 | 2 |
| 2023 | 2 |
| 2024 | 4 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Embrace Home Loans
Embrace Home Loans draws a multi-regional spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Loan servicing, payments, escrow account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Embrace Home Loans: 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 (21.4% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Embrace Home Loans have?
Embrace Home Loans has 147 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Embrace Home Loans respond to complaints on time?
Embrace Home Loans's CFPB timely-response rate is 95.9%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Embrace Home Loans?
Among all products tied to Embrace Home Loans, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Embrace Home Loans?
The most common issue reported by consumers about Embrace Home Loans is "Loan servicing, payments, escrow account." All complaint issues are listed above with their counts.
How do I file a complaint against Embrace Home Loans?
You can file a complaint against Embrace Home Loans 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 Embrace Home Loans?
The CFPB has recorded complaints against Embrace Home Loans from 37 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.