Cobalt Mortgage
11 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cobalt Mortgage complaint mix by product
- Mortgage 10 90.9% – 10% relief
- Credit reporting, 1 9.1% – 0% relief
How Cobalt Mortgage's 11 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 10 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Top States
| State | Complaints |
|---|---|
| WA | 4 |
| CA | 1 |
| CO | 1 |
| OK | 1 |
| TX | 1 |
| OR | 1 |
| AZ | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Application, originator, mortgage broker | 4 |
| Settlement process and costs | 3 |
| Loan servicing, payments, escrow account | 1 |
| Loan modification,collection,foreclosure | 1 |
| Credit decision / Underwriting | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2013 | 3 | 100% |
| 2014 | 3 | 100% |
| 2015 | 3 | 0% |
| 2022 | 1 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Cobalt Mortgage
Cobalt Mortgage's 11 logged complaints stay concentrated: only 8 states show a filing on record. Only 27.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2012 through 2022-03-26.
Cobalt Mortgage answers 63.6% of complaints inside the CFPB's tracked window and closes 54.5% with a written explanation. 9.1% 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 "Application, originator, mortgage broker."
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 Cobalt Mortgage.
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.
Frequently Asked Questions
How many CFPB complaints does Cobalt Mortgage have?
11, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Cobalt Mortgage respond to complaints on time?
63.6% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Cobalt Mortgage?
"Application, originator, mortgage broker", filed under the "Mortgage" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.