CFPB Consumer Complaint Profile

Land Home Financial Services

The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-08-14

228
Total complaints
Above average
20
Last 12 months
97.4%
Timely response
Below median
35
States affected

Subscribe to this company's annual complaint changes (RSS)

The verdict

Out of 3,843 financial companies in the CFPB database, Land Home Financial Services places #837 by volume. On response speed it sits at the 42nd percentile among companies with 100+ complaints.

Mortgage
most-complained product
CA
state with the most 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.

C-
PlainCredit Trust Score
50/100
Land Home Financial Services · 3 of 3 dimensions reported

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.

Timely Response C+ 97.4%
Share of complaints answered within the CFPB response window
Dispute Rate F 27.0%
Share of responses the consumer disputed (lower is better)
Relief Rate C+ 4.8%
Share of complaints closed with monetary or non-monetary relief

Land Home Financial Services vs. all companies by on-time response rate

Every company with 100+ CFPB complaints on file (1,335 total)

97.4% Around the middle higher than 42% 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

Reading this profile

Complaints by Product

Mortgage - Conventional home mortgage 88
Mortgage - FHA mortgage 69
Mortgage - Other type of mortgage 13
Mortgage - Conventional fixed mortgage 10
Mortgage - VA mortgage 10
Credit reporting or other personal consumer reports - Credit reporting 7
Mortgage - Other mortgage 7
Mortgage - Home equity loan or line of credit (HELOC) 6
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 5
Mortgage - Home equity loan or line of credit 4

Top Issues

1.Trouble during payment process 78
2.Struggling to pay mortgage 62
3.Loan servicing, payments, escrow account 16
4.Applying for a mortgage or refinancing an existing mortgage 14
5.Closing on a mortgage 13
6.Application, originator, mortgage broker 8
7.Loan modification,collection,foreclosure 7
8.Problem with a company's investigation into an existing problem 6
9.Incorrect information on your report 6
10.Problem with a credit reporting company's investigation into an existing problem 5

Complaints by Year

Year Complaints
2013 4
2014 7
2015 9
2016 15
2017 11
2018 7
2019 23
2020 21
2021 18
2022 29
2023 33
2024 20
2025 25
2026year in progress 6

Complaints by State (Top 15)

California 47
Florida 29
New York 16
Illinois 15
Georgia 14
Minnesota 10
Texas 7
Pennsylvania 7
Nevada 7
Ohio 6
Hawaii 6
New Jersey 6
Maryland 6
Arizona 5
Michigan 4

Company Responses

Closed with explanation 216
Closed with non-monetary relief 6
Closed with monetary relief 5
In progress 1

What the CFPB Complaint Record Shows for Land Home Financial Services

The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Land Home Financial Services, with consumers across the country filing against it. "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.

Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.

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.

Nationwide companies with similar complaint volume or dispute rates

Two CFPB peer sets for Land Home Financial Services: 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.

Frequently Asked Questions

How many CFPB complaints does Land Home Financial Services have?

Land Home Financial Services has 228 total consumer complaints filed with the CFPB, with 20 filed in the last 12 months.

Does Land Home Financial Services respond to complaints on time?

CFPB complaints against Land Home Financial Services draw a 97.4% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for Land Home Financial Services?

Among all products tied to Land Home Financial Services, "Mortgage" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Land Home Financial Services?

Consumers most often cite "Trouble during payment process" when complaining about Land Home Financial Services; the full issue list with counts is above.

How do I file a complaint against Land Home Financial Services?

You can file a complaint against Land Home Financial Services 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 Land Home Financial Services?

The CFPB has recorded complaints against Land Home Financial Services from 35 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.

Land Home Financial Services's complaint figures come from the CFPB Consumer Complaint Database, data through March 2026. See our methodology for details.