CFPB · Faster timely-response band
Midfirst Bank
2.0K CFPB complaints · 99.9% timely (fast band) · top issue Struggling to pay mortgage.
Midfirst Bank answers 99.9% on time (upper third) across 2.0K filings. Relief 20.7% · top product Mortgage. Allegations, not findings.
- Faster timely-response band
- +204.5% filings 2016 to 2026
CFPB relief outcome brief
CCDB company midfirst-bank
20.7% relief · 99.9% timely · 2.0K filings · Mortgage
Same-product relief peers
Nearest relief peer: Astoria Bank (20.7% relief)
Midfirst Bank closes 20.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Midfirst Bank scores strongest on timely response (100/100 percentile-benchmarked) and weakest on closed with explanation (60/100), 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
97 / 100 percentile-benchmarked
20.7% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
60 / 100 percentile-benchmarked
78.3% of complaints closed with an explanation to the consumer
Most of Midfirst Bank's 2.0K filings include narrative text
46.5% 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.
Midfirst Bank complaint mix by product
- Mortgage 1K 66.1% – 19% relief
- Checking or 290 14.8% – 22% relief
- Credit reporting 164 8.4% – 27% relief
- Credit reporting, 133 6.8% – 29% relief
- Debt collection 48 2.5% – 15% relief
- Money transfer, 17 0.9% – 18% relief
- Credit card 12 0.6% – 33% relief
Higher-relief mix: how Midfirst Bank's 2.0K complaints split across CFPB product categories.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 1.3K |
| Checking or savings account | 290 |
| Credit reporting or other personal consumer reports | 164 |
| Credit reporting, credit repair services, or other personal consumer reports | 133 |
| Debt collection | 48 |
| Money transfer, virtual currency, or money service | 17 |
| Credit card | 12 |
| Credit card or prepaid card | 6 |
| Credit reporting | 4 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Debt or credit management | 3 |
| Vehicle loan or lease | 3 |
| Bank account or service | 3 |
| Prepaid card | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for Midfirst Bank
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 12.5% of this company's filings
Midfirst Bank rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 204
- +204.5% vs 2016
Volume vs. relief
Where Midfirst Bank sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Midfirst Bank files more complaint volume than 35% of them, and closes complaints with relief more often than 83% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,981 · Closed with relief: 20.7%
Top States
| State | Complaints |
|---|---|
| TX | 247 |
| FL | 157 |
| CA | 153 |
| GA | 121 |
| IL | 106 |
| PA | 96 |
| OK | 89 |
| NY | 87 |
| AZ | 85 |
| NJ | 83 |
| MD | 60 |
| VA | 53 |
| NC | 53 |
| LA | 49 |
| OH | 48 |
| TN | 43 |
| AL | 40 |
| MO | 36 |
| IN | 33 |
| MI | 32 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay mortgage | 492 |
| Trouble during payment process | 492 |
| Incorrect information on your report | 251 |
| Managing an account | 132 |
| Opening an account | 83 |
| Applying for a mortgage or refinancing an existing mortgage | 68 |
| Improper use of your report | 53 |
| Closing an account | 52 |
| Problem with a credit reporting company's investigation into an existing problem | 52 |
| Closing on a mortgage | 50 |
| Problem with a company's investigation into an existing problem | 40 |
| Loan servicing, payments, escrow account | 36 |
| Loan modification,collection,foreclosure | 35 |
| Attempts to collect debt not owed | 18 |
| Took or threatened to take negative or legal action | 15 |
| Problem with a lender or other company charging your account | 14 |
| Problem caused by your funds being low | 9 |
| Credit monitoring or identity theft protection services | 8 |
| Fraud or scam | 7 |
| Written notification about debt | 7 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 67 | 98.5% |
| 2017 | 92 | 100% |
| 2018 | 98 | 100% |
| 2019 | 129 | 100% |
| 2020 | 125 | 100% |
| 2021 | 216 | 100% |
| 2022 | 264 | 100% |
| 2023 | 249 | 100% |
| 2024 | 232 | 100% |
| 2025 | 305 | 100% |
| 2026 | 204 | 100% |
Source: CFPB Consumer Complaint Database
Midfirst Bank in the faster-timely third
Midfirst Bank's 1,981 logged complaints reach a nationwide footprint - 51 states have at least one filing. 46.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-25. Timely response 99.9% sits in the upper third of the corpus.
Midfirst Bank answers 99.9% of complaints inside the CFPB's tracked window (timely band: fast) and closes 20.7% with relief; 78.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Mortgage" · top issue "Struggling to pay 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 Midfirst Bank.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Midfirst Bank: 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: 2.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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 Midfirst Bank (#223 of 342; 99.9% timely; 20.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band