CFPB Consumer Complaint Profile
Residential Bancorp
17 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 17
- Total complaints
- Below average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 6
- States affected
The verdict
17 CFPB complaints put Residential Bancorp at #3073 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3073
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 6
- 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.
Residential Bancorp vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2016 | 3 |
| 2017 | 2 |
| 2018 | 3 |
| 2019 | 4 |
| 2020 | 3 |
| 2022 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Residential Bancorp
The CFPB Consumer Complaint Database has logged 17 complaints against Residential Bancorp overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 6 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, "Struggling to pay 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, Residential Bancorp posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 29.4%.
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 Residential Bancorp have?
Residential Bancorp has 17 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Residential Bancorp respond to complaints on time?
CFPB complaints against Residential Bancorp draw a 100% 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 Residential Bancorp?
The most complained-about product for Residential Bancorp is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Residential Bancorp?
"Struggling to pay mortgage" is the single most frequently cited issue in complaints against Residential Bancorp - see all issues and counts above.
How do I file a complaint against Residential Bancorp?
You can file a complaint against Residential Bancorp 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 Residential Bancorp?
Residential Bancorp has drawn CFPB complaints from 6 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 Residential Bancorp: 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 (0% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Residential Bancorp have?
Residential Bancorp has 17 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Residential Bancorp respond to complaints on time?
CFPB complaints against Residential Bancorp draw a 100% 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 Residential Bancorp?
The most complained-about product for Residential Bancorp is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Residential Bancorp?
"Struggling to pay mortgage" is the single most frequently cited issue in complaints against Residential Bancorp - see all issues and counts above.
How do I file a complaint against Residential Bancorp?
You can file a complaint against Residential Bancorp 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 Residential Bancorp?
Residential Bancorp has drawn CFPB complaints from 6 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.