CFPB Consumer Complaint Profile
HomeTown Lenders, LLC
What 38 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
- 38
- Total complaints
- Mid-range
- 0
- Last 12 months
- 71.1%
- Timely response
- Bottom decile
- 15
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, HomeTown Lenders, LLC sits at #2089, with 38 complaints logged. Its on-time response rate is 71.1%, the 6th percentile among companies with 100+ complaints.
- #2089
- of 3,843 companies by volume
- 71.1%
- on time (6th pctile)
- Mortgage
- most-complained product
- 15
- 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.
HomeTown Lenders, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
71.1% Among the lowest higher than 6% 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 2023 to 2024 complete years
- Annual CFPB complaint volume moved from 16 in 2023 to 3 in 2024 (2023 → 2024).
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 |
|---|---|
| 2012 | 3 |
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 2 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 3 |
| 2023 | 16 |
| 2024 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for HomeTown Lenders, LLC
HomeTown Lenders, LLC carries 38 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 15 states and territories have weighed in, giving this a multi-regional footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Trouble during payment process," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, HomeTown Lenders, LLC posts a 71.1% 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. The company's response carried a 22.2% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 21.1% rate.
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 HomeTown Lenders, LLC have?
38 complaints have been filed against HomeTown Lenders, LLC with the CFPB overall - 0 of them in the past year.
Does HomeTown Lenders, LLC respond to complaints on time?
HomeTown Lenders, LLC has a 71.1% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for HomeTown Lenders, LLC?
Among all products tied to HomeTown Lenders, LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with HomeTown Lenders, LLC?
The most common issue reported by consumers about HomeTown Lenders, LLC is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against HomeTown Lenders, LLC?
You can file a complaint against HomeTown Lenders, 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 HomeTown Lenders, LLC?
HomeTown Lenders, LLC has drawn CFPB complaints from 15 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for HomeTown Lenders, 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 (22.2% 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.