CFPB · Diversified product mix
Ocean Lending Home Loans
10 CFPB complaints · diversified mix (top product 30%) · top issue Improper use of your report.
Ocean Lending Home Loans: top product "Credit reporting or other personal consumer reports" is only 30% of 10 - multi-bucket mix. Timely 40% · relief 0%. Allegations, not findings.
- Diversified product mix
- 0% filings 2019 to 2026
CFPB relief outcome brief
CCDB company ocean-lending-home-loans
0% relief · 40% timely · 10 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Ocean Lending Home Loans closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Ocean Lending Home Loans's 10 filings include narrative text
80% 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.
Ocean Lending Home Loans complaint mix by product
- Credit reporting 3 30.0% – 0% relief
- Mortgage 3 30.0% – 0% relief
- Money transfer, 2 20.0% – 0% relief
- Debt collection 1 10.0% – 0% relief
- Credit reporting, 1 10.0% – 0% relief
How Ocean Lending Home Loans's 10 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 3 |
| Mortgage | 3 |
| Money transfer, virtual currency, or money service | 2 |
| Debt collection | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where Ocean Lending Home Loans complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IA
- 20% of this company's filings
Ocean Lending Home Loans complaints by year
Annual filing volume from the CFPB public database
- 2026
- 2
- 0% vs 2019
Top States
| State | Complaints |
|---|---|
| IA | 2 |
| MI | 2 |
| SC | 1 |
| TN | 1 |
| CA | 1 |
| GA | 1 |
| MA | 1 |
| IN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 2 |
| Struggling to pay mortgage | 2 |
| Fraud or scam | 1 |
| Other transaction problem | 1 |
| Attempts to collect debt not owed | 1 |
| Incorrect information on your report | 1 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 2 | 100% |
| 2020 | 1 | 100% |
| 2022 | 1 | 100% |
| 2024 | 3 | 0% |
| 2025 | 1 | 0% |
| 2026 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Ocean Lending Home Loans spreads across product buckets
Ocean Lending Home Loans's 10 logged complaints stay concentrated: only 8 states show a filing. 80% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2026-05-29.
Ocean Lending Home Loans answers 40% of complaints inside the CFPB's tracked window and closes 40% 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. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Improper use of your report."
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 Ocean Lending Home Loans.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Ocean Lending 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: 10.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 40%.
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 Ocean Lending Home Loans (40% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix