CFPB Consumer Complaint Profile
Flat Branch Mortgage, Inc.
Behind the 31 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 31
- Total complaints
- Mid-range
- 7
- Last 12 months
- 100%
- Timely response
- Top decile
- 9
- States affected
The verdict
Flat Branch Mortgage, Inc. ranks #2304 of 3,843 financial companies by CFPB complaint volume, with 31 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2304
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 9
- 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.
Flat Branch Mortgage, 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 |
|---|---|
| 2013 | 1 |
| 2017 | 1 |
| 2018 | 2 |
| 2020 | 1 |
| 2021 | 3 |
| 2022 | 2 |
| 2023 | 7 |
| 2024 | 5 |
| 2025 | 6 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Flat Branch Mortgage, Inc.
Flat Branch Mortgage, Inc. carries 31 complaints in the CFPB's database, 7 of them filed within the past 12 months. Consumers spanning 9 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.
Flat Branch Mortgage, Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 0% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 12.9% 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 Flat Branch Mortgage, Inc. have?
Flat Branch Mortgage, Inc. has 31 total consumer complaints filed with the CFPB, with 7 filed in the last 12 months.
Does Flat Branch Mortgage, Inc. respond to complaints on time?
Flat Branch Mortgage, Inc.'s CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Flat Branch Mortgage, Inc.?
The most complained-about product for Flat Branch Mortgage, Inc. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Flat Branch Mortgage, Inc.?
The most common issue reported by consumers about Flat Branch Mortgage, Inc. is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against Flat Branch Mortgage, Inc.?
You can file a complaint against Flat Branch 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 Flat Branch Mortgage, Inc.?
The CFPB has recorded complaints against Flat Branch Mortgage, Inc. from 9 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Flat Branch 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 (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.