CFPB Consumer Complaint Profile
Independence Home Loans 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
- 27
- Last 12 months
- 92.1%
- Timely response
- Bottom quartile
- 18
- States affected
The verdict
Independence Home Loans LLC ranks #2089 of 3,843 financial companies by CFPB complaint volume, with 38 complaints on record. It posts a 92.1% on-time response rate, the 21st percentile among companies with 100+ complaints.
- #2089
- of 3,843 companies by volume
- 92.1%
- on time (21st pctile)
- Mortgage
- most-complained product
- 18
- 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.
Independence Home Loans LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.1% Among the lowest higher than 21% 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 5 in 2024 to 23 in 2025 (2024 → 2025).
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 |
|---|---|
| 2024 | 5 |
| 2025 | 23 |
| 2026year in progress | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Independence Home Loans LLC
38 complaints against Independence Home Loans LLC appear in the CFPB record, including 27 from the trailing year. The 18 states and territories represented put this footprint in multi-regional territory. "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 "Applying for a mortgage or refinancing an existing mortgage" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Independence Home Loans LLC draw a 92.1% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Independence Home Loans LLC have?
Independence Home Loans LLC has 38 total consumer complaints filed with the CFPB, with 27 filed in the last 12 months.
Does Independence Home Loans LLC respond to complaints on time?
CFPB complaints against Independence Home Loans LLC draw a 92.1% timely-response rate inside the expected window.
What product generates the most complaints for Independence Home Loans LLC?
The most complained-about product for Independence Home Loans LLC is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Independence Home Loans LLC?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Independence Home Loans LLC; the full issue list with counts is above.
How do I file a complaint against Independence Home Loans LLC?
You can file a complaint against Independence Home Loans 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 Independence Home Loans LLC?
The CFPB has recorded complaints against Independence Home Loans LLC from 18 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.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Independence Home Loans LLC have?
Independence Home Loans LLC has 38 total consumer complaints filed with the CFPB, with 27 filed in the last 12 months.
Does Independence Home Loans LLC respond to complaints on time?
CFPB complaints against Independence Home Loans LLC draw a 92.1% timely-response rate inside the expected window.
What product generates the most complaints for Independence Home Loans LLC?
The most complained-about product for Independence Home Loans LLC is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Independence Home Loans LLC?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Independence Home Loans LLC; the full issue list with counts is above.
How do I file a complaint against Independence Home Loans LLC?
You can file a complaint against Independence Home Loans 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 Independence Home Loans LLC?
The CFPB has recorded complaints against Independence Home Loans LLC from 18 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.