CFPB · Single-product concentration
PIC Capital, Inc. dba Direct Home Lending
3 CFPB complaints · 100% in "Mortgage" · top issue Applying for a mortgage or refinancing an existing mortgage.
PIC Capital, Inc. dba Direct Home Lending: 100% of 3 CFPB complaints sit in "Mortgage". Timely 66.7% · relief 33.3%. Allegations, not findings.
- Single-product concentration
- 0% filings 2022 to 2026
CFPB relief outcome brief
CCDB company pic-capital-inc-dba-direct-home-lending
33.3% relief · 66.7% timely · 3 filings · Mortgage
Same-product relief peers
Nearest relief peer: Bank of America, National Association (31% relief)
PIC Capital, Inc. dba Direct Home Lending closes 33.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
PIC Capital, Inc. dba Direct Home Lending has 3 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
PIC Capital, Inc. dba Direct Home Lending complaint mix by product
- Mortgage 3 100.0% – 33% relief
How PIC Capital, Inc. dba Direct Home Lending's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 3 |
Where PIC Capital, Inc. dba Direct Home Lending complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 33.3% of this company's filings
PIC Capital, Inc. dba Direct Home Lending complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2022
Top States
| State | Complaints |
|---|---|
| CA | 1 |
| TX | 1 |
| CO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 2 |
| Closing on a mortgage | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 100% |
| 2023 | 1 | 100% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
PIC Capital, Inc. dba Direct Home Lending filings cluster in one product
PIC Capital, Inc. dba Direct Home Lending's 3 logged complaints stay concentrated: only 3 states show a filing. 66.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-06-09.
PIC Capital, Inc. dba Direct Home Lending answers 66.7% of complaints inside the CFPB's tracked window and closes 33.3% with a written explanation. 33.3% 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 PIC Capital, Inc. dba Direct Home Lending.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for PIC Capital, Inc. dba Direct Home Lending: 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: 3.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 66.7%.
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 PIC Capital, Inc. dba Direct Home Lending (66.7% timely; 33.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration