CFPB Consumer Complaint Profile
Sovereign Lending Group, Incorporated
Behind the 37 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 37
- Total complaints
- Mid-range
- 2
- Last 12 months
- 86.5%
- Timely response
- Bottom quartile
- 17
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Sovereign Lending Group, Incorporated has accumulated 37 complaints, placing it #2112 by volume. It posts a 86.5% on-time response rate, the 14th percentile among companies with 100+ complaints.
- #2112
- of 3,843 companies by volume
- 86.5%
- on time (14th pctile)
- Mortgage
- most-complained product
- 17
- 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.
Sovereign Lending Group, Incorporated vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
86.5% Among the lowest higher than 14% 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 | 3 |
| 2017 | 2 |
| 2018 | 3 |
| 2019 | 6 |
| 2020 | 7 |
| 2021 | 11 |
| 2022 | 3 |
| 2025 | 1 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Sovereign Lending Group, Incorporated
37 complaints against Sovereign Lending Group, Incorporated appear in the CFPB record, including 2 from the trailing year. The 17 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Sovereign Lending Group, Incorporated's timely response rate stands at 86.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 10.8% 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 Sovereign Lending Group, Incorporated have?
37 complaints have been filed against Sovereign Lending Group, Incorporated with the CFPB overall - 2 of them in the past year.
Does Sovereign Lending Group, Incorporated respond to complaints on time?
Sovereign Lending Group, Incorporated's CFPB timely-response rate is 86.5%.
What product generates the most complaints for Sovereign Lending Group, Incorporated?
Among all products tied to Sovereign Lending Group, Incorporated, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Sovereign Lending Group, Incorporated?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Sovereign Lending Group, Incorporated; the full issue list with counts is above.
How do I file a complaint against Sovereign Lending Group, Incorporated?
You can file a complaint against Sovereign Lending Group, Incorporated 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 Sovereign Lending Group, Incorporated?
The CFPB has recorded complaints against Sovereign Lending Group, Incorporated from 17 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 Sovereign Lending Group, Incorporated: 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 Sovereign Lending Group, Incorporated have?
37 complaints have been filed against Sovereign Lending Group, Incorporated with the CFPB overall - 2 of them in the past year.
Does Sovereign Lending Group, Incorporated respond to complaints on time?
Sovereign Lending Group, Incorporated's CFPB timely-response rate is 86.5%.
What product generates the most complaints for Sovereign Lending Group, Incorporated?
Among all products tied to Sovereign Lending Group, Incorporated, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Sovereign Lending Group, Incorporated?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Sovereign Lending Group, Incorporated; the full issue list with counts is above.
How do I file a complaint against Sovereign Lending Group, Incorporated?
You can file a complaint against Sovereign Lending Group, Incorporated 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 Sovereign Lending Group, Incorporated?
The CFPB has recorded complaints against Sovereign Lending Group, Incorporated from 17 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.