CFPB Consumer Complaint Profile
Ethos Lending LLC
What 15 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 15
- Total complaints
- Below average
- 0
- Last 12 months
- 93.3%
- Timely response
- Bottom quartile
- 8
- States affected
The verdict
15 CFPB complaints put Ethos Lending LLC at #3232 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 93.3%, the 24th percentile for the 100+ complaint peer group.
- #3232
- of 3,843 companies by volume
- 93.3%
- on time (24th 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.
Ethos Lending LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.3% Among the lowest higher than 24% 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 |
|---|---|
| 2015 | 3 |
| 2016 | 4 |
| 2017 | 1 |
| 2018 | 6 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ethos Lending LLC
Ethos Lending LLC carries 15 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 8 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. The specific issue named most within that category is "Closing on a mortgage," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Ethos Lending LLC posts a 93.3% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 46.7% 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 Ethos Lending LLC have?
Ethos Lending LLC has 15 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Ethos Lending LLC respond to complaints on time?
Ethos Lending LLC's CFPB timely-response rate is 93.3%.
What product generates the most complaints for Ethos Lending LLC?
"Mortgage" draws more CFPB complaints against Ethos Lending LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Ethos Lending LLC?
The most common issue reported by consumers about Ethos Lending LLC is "Closing on a mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Ethos Lending LLC?
You can file a complaint against Ethos Lending LLC 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 Ethos Lending LLC?
Consumers in 8 states and territories have filed complaints about Ethos Lending LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Ethos Lending LLC: 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 (0% 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.