CFPB · Single-product concentration
Cobalt Mortgage
11 CFPB complaints · 90.9% in "Mortgage" · top issue Application, originator, mortgage broker.
Cobalt Mortgage: 90.9% of 11 CFPB complaints sit in "Mortgage". Timely 63.6% · relief 9.1%. Allegations, not findings.
- Single-product concentration
- 0% filings 2012 to 2022
CFPB relief outcome brief
CCDB company cobalt-mortgage
9.1% relief · 63.6% timely · 11 filings · Mortgage
Same-product relief peers
Nearest relief peer: American Neighborhood Mortgage (9.1% relief)
Cobalt Mortgage closes 9.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 11 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Where Cobalt Mortgage complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- WA
- 36.4% of this company's filings
Cobalt Mortgage complaints by year
Annual filing volume from the CFPB public database
- 2022
- 1
- 0% vs 2012
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
Cobalt Mortgage filings cluster in one product
Cobalt Mortgage's 11 logged complaints stay concentrated: only 8 states show a filing. Only 27.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cobalt Mortgage: 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: 11.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 63.6%.
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 Cobalt Mortgage (63.6% timely; 9.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration