CFPB Consumer Complaint Profile
Lend Smart Mortgage, LLC
Consumers have filed 14 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 3
- Last 12 months
- 71.4%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Lend Smart Mortgage, LLC has accumulated 14 complaints, placing it #3314 by volume. On-time replies land at 71.4%, the 6th percentile for the 100+ complaint peer group.
- #3314
- of 3,843 companies by volume
- 71.4%
- on time (6th pctile)
- Mortgage
- most-complained product
- 9
- 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.
Lend Smart Mortgage, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
71.4% 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
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 |
|---|---|
| 2015 | 1 |
| 2016 | 1 |
| 2017 | 3 |
| 2019 | 2 |
| 2021 | 1 |
| 2022 | 2 |
| 2024 | 1 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lend Smart Mortgage, LLC
The CFPB Consumer Complaint Database has logged 14 complaints against Lend Smart Mortgage, LLC overall, with 3 of those filed in the trailing 12 months. Reports have come from consumers in 9 states and territories, making this a geographically concentrated complaint footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Applying for a mortgage or refinancing an existing mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Lend Smart Mortgage, LLC posts a 71.4% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response at a 33.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 28.6% closed with some form of monetary or non-monetary relief to the consumer.
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 Lend Smart Mortgage, LLC have?
14 complaints have been filed against Lend Smart Mortgage, LLC with the CFPB overall - 3 of them in the past year.
Does Lend Smart Mortgage, LLC respond to complaints on time?
Lend Smart Mortgage, LLC has a 71.4% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Lend Smart Mortgage, LLC?
"Mortgage" draws more CFPB complaints against Lend Smart Mortgage, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Lend Smart Mortgage, LLC?
"Applying for a mortgage or refinancing an existing mortgage" is the single most frequently cited issue in complaints against Lend Smart Mortgage, LLC - see all issues and counts above.
How do I file a complaint against Lend Smart Mortgage, LLC?
You can file a complaint against Lend Smart Mortgage, 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 Lend Smart Mortgage, LLC?
Lend Smart Mortgage, LLC has drawn CFPB complaints from 9 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 Lend Smart Mortgage, 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 (33.3% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Lend Smart Mortgage, LLC have?
14 complaints have been filed against Lend Smart Mortgage, LLC with the CFPB overall - 3 of them in the past year.
Does Lend Smart Mortgage, LLC respond to complaints on time?
Lend Smart Mortgage, LLC has a 71.4% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Lend Smart Mortgage, LLC?
"Mortgage" draws more CFPB complaints against Lend Smart Mortgage, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Lend Smart Mortgage, LLC?
"Applying for a mortgage or refinancing an existing mortgage" is the single most frequently cited issue in complaints against Lend Smart Mortgage, LLC - see all issues and counts above.
How do I file a complaint against Lend Smart Mortgage, LLC?
You can file a complaint against Lend Smart Mortgage, 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 Lend Smart Mortgage, LLC?
Lend Smart Mortgage, LLC has drawn CFPB complaints from 9 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.