CFPB · Single-product concentration
Residential Bancorp
18 CFPB complaints · 83.3% in "Mortgage" · top issue Struggling to pay mortgage.
Residential Bancorp: 83.3% of 18 CFPB complaints sit in "Mortgage". Timely 94.4% · relief 27.8%. Allegations, not findings.
- Single-product concentration
- -66.7% filings 2016 to 2026
CFPB relief outcome brief
CCDB company residential-bancorp
27.8% relief · 94.4% timely · 18 filings · Mortgage
Same-product relief peers
Nearest relief peer: Suntrust Banks, Inc. (27.5% relief)
Residential Bancorp closes 27.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Residential Bancorp's 18 filings include narrative text
55.6% 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.
Residential Bancorp complaint mix by product
- Mortgage 15 83.3% – 33% relief
- Credit reporting, 2 11.1% – 0% relief
- Debt collection 1 5.6% – 0% relief
How Residential Bancorp's 18 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Debt collection | 1 |
Concentrated filing states for Residential Bancorp
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 61.1% of this company's filings
Residential Bancorp falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -66.7% vs 2016
Top States
| State | Complaints |
|---|---|
| CA | 11 |
| FL | 2 |
| NV | 2 |
| TX | 1 |
| ID | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay mortgage | 5 |
| Closing on a mortgage | 3 |
| Applying for a mortgage or refinancing an existing mortgage | 2 |
| Trouble during payment process | 2 |
| Attempts to collect debt not owed | 1 |
| Loan servicing, payments, escrow account | 1 |
| Credit decision / Underwriting | 1 |
| Application, originator, mortgage broker | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 3 | 100% |
| 2017 | 2 | 100% |
| 2018 | 3 | 100% |
| 2019 | 4 | 100% |
| 2020 | 3 | 100% |
| 2022 | 2 | 100% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Residential Bancorp filings cluster in one product
Residential Bancorp's 18 logged complaints stay concentrated: only 6 states show a filing. 55.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-04-24.
Residential Bancorp answers 94.4% of complaints inside the CFPB's tracked window and closes 66.7% with a written explanation. 27.8% 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 "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 Residential Bancorp.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Residential Bancorp: 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: 18.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.4%.
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 Residential Bancorp (94.4% timely; 27.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration