CFPB Consumer Complaint Profile
EMI Equity Mortgage, Inc.
11 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
- 11
- Total complaints
- Below average
- 3
- Last 12 months
- 63.6%
- Timely response
- Bottom decile
- 2
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, EMI Equity Mortgage, Inc. has accumulated 11 complaints, placing it #3589 by volume. 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
- 2
- 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.
EMI Equity Mortgage, Inc. 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 |
|---|---|
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 2 |
| 2023 | 3 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for EMI Equity Mortgage, Inc.
EMI Equity Mortgage, Inc. carries 11 complaints in the CFPB's database, 3 of them filed within the past 12 months. Consumers spanning 2 states and territories have weighed in, giving this a geographically concentrated 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, "Trouble during payment process" 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, EMI Equity Mortgage, Inc. posts a 63.6% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, 18.2% 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 EMI Equity Mortgage, Inc. have?
EMI Equity Mortgage, Inc. has 11 total consumer complaints filed with the CFPB, with 3 filed in the last 12 months.
Does EMI Equity Mortgage, Inc. respond to complaints on time?
EMI Equity Mortgage, Inc. has a 63.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for EMI Equity Mortgage, Inc.?
Among all products tied to EMI Equity Mortgage, Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with EMI Equity Mortgage, Inc.?
The most common issue reported by consumers about EMI Equity Mortgage, Inc. is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against EMI Equity Mortgage, Inc.?
You can file a complaint against EMI Equity 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 EMI Equity Mortgage, Inc.?
The CFPB has recorded complaints against EMI Equity Mortgage, Inc. from 2 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.
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.