CFPB · Single-product concentration
Independence Home Loans LLC
45 CFPB complaints · 97.8% in "Mortgage" · top issue Applying for a mortgage or refinancing an existing mortgage.
Independence Home Loans LLC: 97.8% of 45 CFPB complaints sit in "Mortgage". Timely 93.3% · relief 0%. Allegations, not findings.
- Single-product concentration
- +240% filings 2024 to 2026
CFPB relief outcome brief
CCDB company independence-home-loans-llc
0% relief · 93.3% timely · 45 filings · Mortgage
Same-product relief peers
Nearest relief peer: Rushmore Loan Management Services LLC (0% relief)
Independence Home Loans LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Independence Home Loans LLC scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
88 / 100 percentile-benchmarked
93.3% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Independence Home Loans LLC's 45 filings include narrative text
62.2% 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.
Independence Home Loans LLC complaint mix by product
- Mortgage 44 97.8% – 0% relief
- Credit reporting 1 2.2% – 0% relief
How Independence Home Loans LLC's 45 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 44 |
| Credit reporting or other personal consumer reports | 1 |
Where Independence Home Loans LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CO
- 11.1% of this company's filings
Independence Home Loans LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 17
- +240% vs 2024
Top States
| State | Complaints |
|---|---|
| CO | 5 |
| GA | 4 |
| FL | 4 |
| VA | 4 |
| CA | 3 |
| OH | 3 |
| HI | 2 |
| NV | 2 |
| SC | 2 |
| NC | 2 |
| MN | 2 |
| TN | 2 |
| IA | 2 |
| WA | 1 |
| MS | 1 |
| AL | 1 |
| IN | 1 |
| MD | 1 |
| MO | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 32 |
| Closing on a mortgage | 9 |
| Trouble during payment process | 3 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 5 | 100% |
| 2025 | 23 | 100% |
| 2026 | 17 | 82.4% |
Source: CFPB Consumer Complaint Database
Independence Home Loans LLC filings cluster in one product
Independence Home Loans LLC's 45 logged complaints stay concentrated: only 21 states show a filing. 62.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-05-14.
Independence Home Loans LLC answers 93.3% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 Independence Home Loans LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Independence Home Loans 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: 45.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 93.3%.
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 Independence Home Loans LLC (93.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration