CFPB · Single-product concentration
Embrace Home Loans
148 CFPB complaints · 94.6% in "Mortgage" · top issue Loan servicing, payments, escrow account.
Embrace Home Loans: 94.6% of 148 CFPB complaints sit in "Mortgage". Timely 95.9% · relief 16.2%. Allegations, not findings.
- Single-product concentration
- -87.5% filings 2012 to 2026
CFPB relief outcome brief
CCDB company embrace-home-loans
16.2% relief · 95.9% timely · 148 filings · Mortgage
Same-product relief peers
Nearest relief peer: State Farm Bank, Fsb (16% relief)
Embrace Home Loans closes 16.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 148 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.
Embrace Home Loans complaint mix by product
- Mortgage 140 94.6% – 17% relief
- Credit reporting, 5 3.4% – 0% relief
- Credit reporting 2 1.4% – 0% relief
- Debt collection 1 0.7% – 0% relief
How Embrace Home Loans's 148 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 140 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Credit reporting or other personal consumer reports | 2 |
| Debt collection | 1 |
Where Embrace Home Loans complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- MD
- 10.8% of this company's filings
Embrace Home Loans falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -87.5% vs 2012
Top States
| State | Complaints |
|---|---|
| MD | 16 |
| FL | 14 |
| GA | 12 |
| PA | 9 |
| VA | 8 |
| NC | 7 |
| NJ | 6 |
| AL | 6 |
| KY | 5 |
| NY | 5 |
| IL | 4 |
| CT | 4 |
| TN | 4 |
| MO | 3 |
| IN | 3 |
| MN | 3 |
| CA | 3 |
| DE | 3 |
| TX | 3 |
| DC | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Loan servicing, payments, escrow account | 45 |
| Application, originator, mortgage broker | 18 |
| Loan modification,collection,foreclosure | 17 |
| Applying for a mortgage or refinancing an existing mortgage | 15 |
| Trouble during payment process | 12 |
| Settlement process and costs | 11 |
| Credit decision / Underwriting | 10 |
| Closing on a mortgage | 6 |
| Improper use of your report | 5 |
| Struggling to pay mortgage | 3 |
| Incorrect information on your report | 2 |
| Other | 2 |
| Written notification about debt | 1 |
| Unable to get your credit report or credit score | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 8 | 100% |
| 2013 | 23 | 95.7% |
| 2014 | 20 | 100% |
| 2015 | 19 | 100% |
| 2016 | 25 | 80% |
| 2017 | 14 | 100% |
| 2018 | 9 | 100% |
| 2019 | 5 | 100% |
| 2020 | 7 | 100% |
| 2021 | 7 | 100% |
| 2022 | 2 | 100% |
| 2023 | 2 | 100% |
| 2024 | 4 | 100% |
| 2025 | 2 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Embrace Home Loans filings cluster in one product
Embrace Home Loans's 148 logged complaints stay concentrated: only 37 states show a filing. Only 33.8% 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 2026-05-04.
Embrace Home Loans answers 95.9% of complaints inside the CFPB's tracked window and closes 60.1% with a written explanation. 16.2% 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 "Loan servicing, payments, escrow account."
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 Embrace Home Loans.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Embrace Home Loans: 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: 148.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.9%.
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 Embrace Home Loans (95.9% timely; 16.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration