CFPB Consumer Complaint Profile
Freedom Mortgage Company
What 9,221 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
- 9,221
- Total complaints
- Among the highest
- 1,524
- Last 12 months
- 99.6%
- Timely response
- Top decile
- 54
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Freedom Mortgage Company sits at #65, with 9,221 complaints logged. Its on-time response rate is 99.6%, the 74th percentile among companies with 100+ complaints.
- #65
- of 3,843 companies by volume
- 99.6%
- on time (74th pctile)
- Mortgage
- most-complained product
- 54
- states with 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.
Freedom Mortgage Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.6% Higher than most higher than 74% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1,101 in 2024 to 1,483 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 34 |
| 2013 | 76 |
| 2014 | 121 |
| 2015 | 184 |
| 2016 | 535 |
| 2017 | 438 |
| 2018 | 634 |
| 2019 | 596 |
| 2020 | 895 |
| 2021 | 864 |
| 2022 | 973 |
| 2023 | 894 |
| 2024 | 1,101 |
| 2025 | 1,483 |
| 2026year in progress | 393 |
Complaints by State (Top 15)
Company Responses
Freedom Mortgage Company Complaint Concentration Profile
Freedom Mortgage Company's complaint volume is large enough to measure concentration - not just the headline totals. Across 38 named product lines in the stored breakdown, the leading three (Mortgage, Mortgage, Mortgage) hold a 78.8% share of product-tagged complaints. The Herfindahl index on that product mix is 0.215 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Trouble during payment process, Struggling to pay mortgage, Applying for a mortgage or refinancing an existing mortgage) cover a 66.9% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, Texas) hold a 31.6% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 98.8% share among the 9,221 response-tagged complaints (9,109 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,483 complaints); the lightest year on file was 2012 (34). From 2024 to 2025, annual volume rose 34.7% (1,101 → 1,483). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Freedom Mortgage Company
9,221 complaints against Freedom Mortgage Company appear in the CFPB record, including 1,524 from the trailing year. The 54 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.
CFPB-forwarded complaints against Freedom Mortgage Company draw a 99.6% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 20.6% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 0.2%.
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 Freedom Mortgage Company have?
9,221 complaints have been filed against Freedom Mortgage Company with the CFPB overall - 1,524 of them in the past year.
Does Freedom Mortgage Company respond to complaints on time?
Freedom Mortgage Company has a 99.6% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Freedom Mortgage Company?
Among all products tied to Freedom Mortgage Company, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Freedom Mortgage Company?
"Trouble during payment process" is the single most frequently cited issue in complaints against Freedom Mortgage Company - see all issues and counts above.
How do I file a complaint against Freedom Mortgage Company?
You can file a complaint against Freedom Mortgage Company 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 Freedom Mortgage Company?
Consumers in 54 states and territories have filed complaints about Freedom Mortgage Company 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 Freedom Mortgage Company: 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 complaint volume
Nearest companies by total CFPB complaint count (9,221 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (20.6% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Freedom Mortgage Company have?
9,221 complaints have been filed against Freedom Mortgage Company with the CFPB overall - 1,524 of them in the past year.
Does Freedom Mortgage Company respond to complaints on time?
Freedom Mortgage Company has a 99.6% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Freedom Mortgage Company?
Among all products tied to Freedom Mortgage Company, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Freedom Mortgage Company?
"Trouble during payment process" is the single most frequently cited issue in complaints against Freedom Mortgage Company - see all issues and counts above.
How do I file a complaint against Freedom Mortgage Company?
You can file a complaint against Freedom Mortgage Company 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 Freedom Mortgage Company?
Consumers in 54 states and territories have filed complaints about Freedom Mortgage Company 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.