Embrace Home Loans
148 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Embrace Home Loans
Embrace Home Loans's 148 logged complaints stay concentrated: only 37 states show a filing on record. Only 33.8% 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 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.
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 Embrace Home Loans have?
148, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Embrace Home Loans respond to complaints on time?
95.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Embrace Home Loans?
"Loan servicing, payments, escrow account", 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.