CFPB Consumer Complaint Profile
Impac Mortgage Holdings, Inc.
Behind the 177 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
- 177
- Total complaints
- Mid-range
- 1
- Last 12 months
- 93.2%
- Timely response
- Bottom quartile
- 28
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Impac Mortgage Holdings, Inc. has accumulated 177 complaints, placing it #1011 by volume. On-time replies land at 93.2%, the 24th percentile for the 100+ complaint peer group.
- #1011
- of 3,843 companies by volume
- 93.2%
- on time (24th pctile)
- Mortgage
- most-complained product
- 28
- 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.
Impac Mortgage Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.2% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 11 |
| 2015 | 17 |
| 2016 | 30 |
| 2017 | 22 |
| 2018 | 20 |
| 2019 | 23 |
| 2020 | 35 |
| 2021 | 9 |
| 2022 | 2 |
| 2023 | 3 |
| 2024 | 1 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Impac Mortgage Holdings, Inc.
The CFPB Consumer Complaint Database has logged 177 complaints against Impac Mortgage Holdings, Inc. overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 28 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. 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 Impac Mortgage Holdings, Inc. draw a 93.2% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response at a 30.8% 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 9.6%.
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 Impac Mortgage Holdings, Inc. have?
177 complaints have been filed against Impac Mortgage Holdings, Inc. with the CFPB overall - 1 of them in the past year.
Does Impac Mortgage Holdings, Inc. respond to complaints on time?
Impac Mortgage Holdings, Inc. has a 93.2% timely response rate to CFPB complaints.
What product generates the most complaints for Impac Mortgage Holdings, Inc.?
Among all products tied to Impac Mortgage Holdings, Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Impac Mortgage Holdings, Inc.?
The most common issue reported by consumers about Impac Mortgage Holdings, Inc. is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against Impac Mortgage Holdings, Inc.?
You can file a complaint against Impac Mortgage Holdings, 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 Impac Mortgage Holdings, Inc.?
Consumers in 28 states and territories have filed complaints about Impac Mortgage Holdings, Inc. 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 Impac Mortgage Holdings, 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 (30.8% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Impac Mortgage Holdings, Inc. have?
177 complaints have been filed against Impac Mortgage Holdings, Inc. with the CFPB overall - 1 of them in the past year.
Does Impac Mortgage Holdings, Inc. respond to complaints on time?
Impac Mortgage Holdings, Inc. has a 93.2% timely response rate to CFPB complaints.
What product generates the most complaints for Impac Mortgage Holdings, Inc.?
Among all products tied to Impac Mortgage Holdings, Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Impac Mortgage Holdings, Inc.?
The most common issue reported by consumers about Impac Mortgage Holdings, Inc. is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against Impac Mortgage Holdings, Inc.?
You can file a complaint against Impac Mortgage Holdings, 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 Impac Mortgage Holdings, Inc.?
Consumers in 28 states and territories have filed complaints about Impac Mortgage Holdings, Inc. 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.