CFPB Consumer Complaint Profile
Prospect Mortgage, LLC
What 113 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
- 113
- Total complaints
- Mid-range
- 0
- Last 12 months
- 69%
- Timely response
- Bottom decile
- 26
- States affected
The verdict
Prospect Mortgage, LLC ranks #1256 of 3,843 financial companies by CFPB complaint volume, with 113 complaints on record. Its on-time response rate is 69%, the 6th percentile among companies with 100+ complaints.
- #1256
- of 3,843 companies by volume
- 69%
- on time (6th pctile)
- Mortgage
- most-complained product
- 26
- states with 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.
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.
Prospect Mortgage, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
69% 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 2017 to 2018 complete years
- Annual CFPB complaint volume moved from 15 in 2017 to 2 in 2018 (2017 → 2018).
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 |
|---|---|
| 2011 | 1 |
| 2012 | 12 |
| 2013 | 19 |
| 2014 | 18 |
| 2015 | 19 |
| 2016 | 27 |
| 2017 | 15 |
| 2018 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Prospect Mortgage, LLC
113 complaints against Prospect Mortgage, LLC appear in the CFPB record, including 0 from the trailing year. The 26 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 "Application, originator, mortgage broker" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Prospect Mortgage, LLC draw a 69% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response carried a 33.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 12.4% 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 Prospect Mortgage, LLC have?
The CFPB has logged 113 complaints against Prospect Mortgage, LLC to date, of which 0 came in over the last 12 months.
Does Prospect Mortgage, LLC respond to complaints on time?
Prospect Mortgage, LLC has a 69% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Prospect Mortgage, LLC?
"Mortgage" draws more CFPB complaints against Prospect Mortgage, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Prospect Mortgage, LLC?
"Application, originator, mortgage broker" is the single most frequently cited issue in complaints against Prospect Mortgage, LLC - see all issues and counts above.
How do I file a complaint against Prospect Mortgage, LLC?
You can file a complaint against Prospect 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 Prospect Mortgage, LLC?
Prospect Mortgage, LLC has drawn CFPB complaints from 26 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 Prospect 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 Prospect Mortgage, LLC have?
The CFPB has logged 113 complaints against Prospect Mortgage, LLC to date, of which 0 came in over the last 12 months.
Does Prospect Mortgage, LLC respond to complaints on time?
Prospect Mortgage, LLC has a 69% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Prospect Mortgage, LLC?
"Mortgage" draws more CFPB complaints against Prospect Mortgage, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Prospect Mortgage, LLC?
"Application, originator, mortgage broker" is the single most frequently cited issue in complaints against Prospect Mortgage, LLC - see all issues and counts above.
How do I file a complaint against Prospect Mortgage, LLC?
You can file a complaint against Prospect 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 Prospect Mortgage, LLC?
Prospect Mortgage, LLC has drawn CFPB complaints from 26 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.