Servicer Report Card
Look up your mortgage servicer. Get their complaint grade, response record, and enforcement history from CFPB data — instantly.
Who is your mortgage servicer?
Your servicer is the company you send your mortgage payment to. Check your monthly statement if you're not sure.
Don't see your servicer? They may have fewer than 500 CFPB complaints. View all tracked servicers or search complaints directly.
About This Tool
The Servicer Report Card grades 76 mortgage servicers (all with 500+ complaints) using public data from the CFPB Consumer Complaint Database. Over 440,000 mortgage complaints are analyzed for response timeliness, consumer satisfaction, and regulatory enforcement history.
Your mortgage servicer controls your escrow account, processes your payments, and manages loss mitigation if you fall behind. If they don't respond to your requests, your options narrow fast. Knowing their track record helps you prepare.
For a deeper look at any servicer — yearly trends, state breakdowns, complaint search — visit the full servicer profiles.
Frequently Asked Questions
Where does the complaint data come from?
All data comes from the Consumer Financial Protection Bureau (CFPB) complaint database — a public dataset of over 440,000 mortgage-related complaints filed by consumers. We analyze all 76 servicers with 500+ complaints.
How is the grade calculated?
The grade weighs three factors: timely response rate (40%), dispute rate — how often consumers disagree with the resolution (30%), and enforcement history — whether the CFPB has taken action against the servicer (30%). Higher timely rates, lower dispute rates, and no enforcement actions produce better grades.
My servicer has a bad grade. What should I do?
A bad grade doesn't mean every interaction will go poorly, but it does mean the servicer has a pattern of complaints. Document everything in writing, use certified mail for important requests, and contact a HUD-approved housing counselor (free) if you're having trouble getting a response.
What is the dispute rate?
The dispute rate measures how often consumers reject the servicer's response to their complaint. A high dispute rate means borrowers frequently feel their issue wasn't resolved. The industry average is about 10%.
Is my information collected?
Your search or selection may be sent to American Default Research so we can understand where people stop, improve the tool, and help when someone asks to be contacted. We do not sell your information.