CFPB · Mid-pack CFPB posture
American 1st Rate Mortgage, LLC
6 CFPB complaints · 4 states · top issue Took or threatened to take negative or legal action.
American 1st Rate Mortgage, LLC has 6 consumer complaints in the CFPB public database. Timely response is 0%; 0% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +300% filings 2016 to 2026
CFPB relief outcome brief
CCDB company american-1st-rate-mortgage-llc
0% relief · 0% timely · 6 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
American 1st Rate Mortgage, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American 1st Rate Mortgage, LLC complaint mix by product
- Debt collection 4 66.7% – 0% relief
- Mortgage 1 16.7% – 0% relief
- Credit reporting, 1 16.7% – 0% relief
How American 1st Rate Mortgage, LLC's 6 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 4 |
| Mortgage | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where American 1st Rate Mortgage, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 33.3% of this company's filings
American 1st Rate Mortgage, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +300% vs 2016
Top States
| State | Complaints |
|---|---|
| GA | 2 |
| MI | 2 |
| NM | 1 |
| CO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 3 |
| Attempts to collect debt not owed | 1 |
| Application, originator, mortgage broker | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 0% |
| 2023 | 1 | 0% |
| 2026 | 4 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about American 1st Rate Mortgage, LLC
American 1st Rate Mortgage, LLC's 6 logged complaints stay concentrated: only 4 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2016 through 2026-05-02.
American 1st Rate Mortgage, LLC answers 0% of complaints inside the CFPB's tracked window and closes 16.7% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 American 1st Rate Mortgage, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American 1st Rate Mortgage, LLC: 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: 6.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 0%.
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 American 1st Rate Mortgage, LLC (0% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture