CFPB Consumer Complaint Profile
Royal United Mortgage LLC
103 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
- 103
- Total complaints
- Mid-range
- 6
- Last 12 months
- 90.3%
- Timely response
- Bottom quartile
- 25
- States affected
The verdict
Royal United Mortgage LLC ranks #1310 of 3,843 financial companies by CFPB complaint volume, with 103 complaints on record. On-time replies land at 90.3%, the 19th percentile for the 100+ complaint peer group.
- #1310
- of 3,843 companies by volume
- 90.3%
- on time (19th pctile)
- Mortgage
- most-complained product
- 25
- 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.
Royal United Mortgage LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.3% Among the lowest higher than 19% 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 |
|---|---|
| 2013 | 2 |
| 2014 | 6 |
| 2015 | 11 |
| 2016 | 11 |
| 2017 | 13 |
| 2018 | 11 |
| 2019 | 4 |
| 2020 | 10 |
| 2021 | 8 |
| 2022 | 4 |
| 2023 | 7 |
| 2024 | 9 |
| 2025 | 6 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Royal United Mortgage LLC
Royal United Mortgage LLC carries 103 complaints in the CFPB's database, 6 of them filed within the past 12 months. Consumers spanning 25 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.
Within the Bureau's 15-day response window, Royal United Mortgage LLC posts a 90.3% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Consumers formally disputed the company's response at a 23.5% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 26.2% rate.
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 Royal United Mortgage LLC have?
103 complaints have been filed against Royal United Mortgage LLC with the CFPB overall - 6 of them in the past year.
Does Royal United Mortgage LLC respond to complaints on time?
Royal United Mortgage LLC's CFPB timely-response rate is 90.3%.
What product generates the most complaints for Royal United Mortgage LLC?
Among all products tied to Royal United Mortgage LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Royal United Mortgage LLC?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Royal United Mortgage LLC; the full issue list with counts is above.
How do I file a complaint against Royal United Mortgage LLC?
You can file a complaint against Royal United 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 Royal United Mortgage LLC?
The CFPB has recorded complaints against Royal United Mortgage LLC from 25 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Royal United 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 (23.5% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Royal United Mortgage LLC have?
103 complaints have been filed against Royal United Mortgage LLC with the CFPB overall - 6 of them in the past year.
Does Royal United Mortgage LLC respond to complaints on time?
Royal United Mortgage LLC's CFPB timely-response rate is 90.3%.
What product generates the most complaints for Royal United Mortgage LLC?
Among all products tied to Royal United Mortgage LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Royal United Mortgage LLC?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Royal United Mortgage LLC; the full issue list with counts is above.
How do I file a complaint against Royal United Mortgage LLC?
You can file a complaint against Royal United 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 Royal United Mortgage LLC?
The CFPB has recorded complaints against Royal United Mortgage LLC from 25 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.