Total complaints
32
Filed since 2013
2026 data Public-data reference. official source
Commerce Home Mortgage, Inc
32 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
32 consumer complaints filed with the CFPB
This profile shows Commerce Home Mortgage, Inc's complaint history from CFPB public records. 32 consumers have filed complaints since 2013. The company has a 84.4% timely response rate and has provided relief in 6.3% of cases.
32
Total Complaints
84.4%
Timely Response
3.1%
Disputed
6.3%
Relief Provided
8
States Active
2013
Since
Timely response
84.4%
CFPB-tracked response window
Relief rate
6.3%
Closed with monetary or non-monetary relief
Timely response rate 84.4%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 6.3%
Industry median
Share closed with monetary or non-monetary relief.
Commerce Home Mortgage, Inc complaint mix by product
- Mortgage 29 90.6% – 7% relief
- Credit reporting, 1 3.1% – 0% relief
- Credit reporting 1 3.1% – 0% relief
- Debt collection 1 3.1% – 0% relief
How Commerce Home Mortgage, Inc's 32 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 29 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Credit reporting or other personal consumer reports | 1 |
| Debt collection | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 19 |
| TX | 3 |
| FL | 3 |
| NJ | 2 |
| OR | 2 |
| ND | 1 |
| NM | 1 |
| AZ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 10 |
| Applying for a mortgage or refinancing an existing mortgage | 7 |
| Struggling to pay mortgage | 5 |
| Closing on a mortgage | 4 |
| Application, originator, mortgage broker | 2 |
| Improper use of your report | 1 |
| Incorrect information on your report | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 1 | 0% |
| 2019 | 1 | 0% |
| 2020 | 4 | 75% |
| 2021 | 5 | 100% |
| 2022 | 4 | 100% |
| 2023 | 7 | 100% |
| 2024 | 7 | 85.7% |
| 2025 | 2 | 50% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Commerce Home Mortgage, Inc
Commerce Home Mortgage, Inc has accumulated 32 consumer complaints in the CFPB public database, with filings active across 8 U.S. states. Of those submissions, 13 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2025-12-01, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Commerce Home Mortgage, Inc reports a 84.4% timely-response rate and has closed 93.8% of cases with a written explanation to the consumer. 6.3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 3.1% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Mortgage", and the single most common underlying issue is "Trouble during payment process".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Commerce Home Mortgage, Inc: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 Commerce Home Mortgage, Inc have?
Commerce Home Mortgage, Inc has received 32 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Commerce Home Mortgage, Inc respond to complaints on time?
Commerce Home Mortgage, Inc has a 84.4% timely response rate to CFPB complaints.
What is the most common complaint about Commerce Home Mortgage, Inc?
The most common issue reported against Commerce Home Mortgage, Inc is "Trouble during payment process" in the "Mortgage" product category.
Read our methodology — how this data is sourced, computed, and verified.
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