CFPB · Single-product concentration
First Direct Lending, LLC
33 CFPB complaints · 87.9% in "Mortgage" · top issue Applying for a mortgage or refinancing an existing mortgage.
First Direct Lending, LLC: 87.9% of 33 CFPB complaints sit in "Mortgage". Timely 84.8% · relief 9.1%. Allegations, not findings.
- Single-product concentration
- +50% filings 2014 to 2020
CFPB relief outcome brief
CCDB company first-direct-lending-llc
9.1% relief · 84.8% timely · 33 filings · Mortgage
Same-product relief peers
Nearest relief peer: American Neighborhood Mortgage (9.1% relief)
First Direct Lending, LLC closes 9.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of First Direct Lending, LLC's 33 filings include narrative text
60.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
First Direct Lending, LLC complaint mix by product
- Mortgage 29 87.9% – 10% relief
- Credit reporting, 2 6.1% – 0% relief
- Payday loan 1 3.0% – 0% relief
- Payday loan, 1 3.0% – 0% relief
How First Direct Lending, LLC's 33 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 | 2 |
| Payday loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
Where First Direct Lending, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 30.3% of this company's filings
First Direct Lending, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2020
- 3
- +50% vs 2014
Top States
| State | Complaints |
|---|---|
| CA | 10 |
| FL | 5 |
| NC | 3 |
| GA | 2 |
| IL | 1 |
| CO | 1 |
| PA | 1 |
| OR | 1 |
| TN | 1 |
| AZ | 1 |
| WA | 1 |
| VA | 1 |
| MD | 1 |
| OH | 1 |
| KY | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 13 |
| Application, originator, mortgage broker | 8 |
| Credit decision / Underwriting | 6 |
| Closing on a mortgage | 2 |
| Improper use of your report | 2 |
| Received a loan I didn't apply for | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 100% |
| 2015 | 2 | 100% |
| 2016 | 7 | 71.4% |
| 2017 | 11 | 100% |
| 2018 | 8 | 100% |
| 2020 | 3 | 0% |
Source: CFPB Consumer Complaint Database
First Direct Lending, LLC filings cluster in one product
First Direct Lending, LLC's 33 logged complaints stay concentrated: only 16 states show a filing. 60.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2020-11-19.
First Direct Lending, LLC answers 84.8% of complaints inside the CFPB's tracked window and closes 81.8% 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 "Applying for a mortgage or refinancing an existing mortgage."
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 First Direct Lending, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Direct Lending, LLC: 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: 33.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 84.8%.
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 First Direct Lending, LLC (84.8% timely; 9.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration