CFPB · Lighter filing volume
21st Mortgage Corp.
1.1K CFPB complaints (light-volume third) · 50 states · top issue Struggling to pay mortgage.
21st Mortgage Corp. is in the light-volume third with 1.1K CFPB complaints (ranks #324 of 342). Timely 99.6% · relief 1% · top product Mortgage. Allegations, not findings.
- Lighter filing volume
- +290% filings 2012 to 2026
CFPB relief outcome brief
CCDB company 21st-mortgage-corp
1% relief · 99.6% timely · 1.1K filings · Mortgage
Same-product relief peers
Nearest relief peer: Vanderbilt Mortgage & Finance, Inc (1% relief)
21st Mortgage Corp. closes 1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
21st Mortgage Corp. scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (5/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
5 / 100 percentile-benchmarked
1% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.6% of complaints answered inside the CFPB 15-day window
Closed with explanation
97 / 100 percentile-benchmarked
98.3% of complaints closed with an explanation to the consumer
Most of 21st Mortgage Corp.'s 1.1K filings include narrative text
42.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
21st Mortgage Corp. complaint mix by product
- Mortgage 894 84.3% – 1% relief
- Credit reporting 77 7.3% – 0% relief
- Debt collection 50 4.7% – 0% relief
- Credit reporting, 34 3.2% – 0% relief
- Debt or 2 0.2% – 0% relief
- Consumer Loan 2 0.2% – 0% relief
- Credit reporting 2 0.2% – 0% relief
Lighter-volume mix: how 21st Mortgage Corp.'s 1.1K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 894 |
| Credit reporting or other personal consumer reports | 77 |
| Debt collection | 50 |
| Credit reporting, credit repair services, or other personal consumer reports | 34 |
| Debt or credit management | 2 |
| Consumer Loan | 2 |
| Credit reporting | 2 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for 21st Mortgage Corp.
Top states by attributed volume, lighter-filing company
- Leading state
- TX
- 17.6% of this company's filings
21st Mortgage Corp. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 78
- +290% vs 2012
Volume vs. relief
Where 21st Mortgage Corp. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, 21st Mortgage Corp. files more complaint volume than 5% of them, and closes complaints with relief more often than 40% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,062 · Closed with relief: 1.0%
Top States
| State | Complaints |
|---|---|
| TX | 187 |
| FL | 105 |
| CA | 77 |
| GA | 58 |
| LA | 56 |
| SC | 44 |
| MI | 41 |
| AL | 41 |
| NY | 37 |
| NC | 36 |
| MS | 36 |
| OK | 27 |
| TN | 23 |
| PA | 21 |
| OH | 20 |
| AZ | 20 |
| MN | 18 |
| IN | 17 |
| MD | 16 |
| AR | 15 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay mortgage | 272 |
| Trouble during payment process | 199 |
| Loan modification,collection,foreclosure | 140 |
| Loan servicing, payments, escrow account | 116 |
| Incorrect information on your report | 64 |
| Applying for a mortgage or refinancing an existing mortgage | 61 |
| Closing on a mortgage | 49 |
| Improper use of your report | 28 |
| Application, originator, mortgage broker | 26 |
| Problem with a company's investigation into an existing problem | 19 |
| Attempts to collect debt not owed | 14 |
| Communication tactics | 13 |
| Settlement process and costs | 11 |
| Problem with a credit reporting company's investigation into an existing problem | 10 |
| Took or threatened to take negative or legal action | 9 |
| Credit monitoring or identity theft protection services | 4 |
| Written notification about debt | 3 |
| Taking/threatening an illegal action | 3 |
| Other | 3 |
| Didn't provide services promised | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 20 | 100% |
| 2013 | 33 | 100% |
| 2014 | 83 | 100% |
| 2015 | 83 | 100% |
| 2016 | 76 | 98.7% |
| 2017 | 73 | 100% |
| 2018 | 57 | 100% |
| 2019 | 32 | 100% |
| 2020 | 55 | 100% |
| 2021 | 68 | 98.5% |
| 2022 | 71 | 98.6% |
| 2023 | 71 | 100% |
| 2024 | 87 | 100% |
| 2025 | 175 | 99.4% |
| 2026 | 78 | 100% |
Source: CFPB Consumer Complaint Database
21st Mortgage Corp. in the light-volume third
21st Mortgage Corp.'s 1,062 logged complaints reach a nationwide footprint - 50 states have at least one filing. 42.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-23. Volume lands in the lightest third of the indexed company corpus (#325 of 342).
21st Mortgage Corp. answers 99.6% of complaints inside the CFPB's tracked window and closes 98.3% with a written explanation. 1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Struggling to pay mortgage."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about 21st Mortgage Corp..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for 21st Mortgage Corp.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.1K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.6%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for 21st Mortgage Corp. (#325 of 342; 99.6% timely; 1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lighter filing volume