Total complaints
86
Filed since 2013
2026 data Public-data reference. official source
ROYAL UNITED MORTGAGE LLC
86 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
86 consumer complaints filed with the CFPB
This profile shows ROYAL UNITED MORTGAGE LLC's complaint history from CFPB public records. 86 consumers have filed complaints since 2013. The company has a 90.7% timely response rate and has provided relief in 27.9% of cases.
86
Total Complaints
90.7%
Timely Response
9.3%
Disputed
27.9%
Relief Provided
24
States Active
2013
Since
Timely response
90.7%
CFPB-tracked response window
Relief rate
27.9%
Closed with monetary or non-monetary relief
Timely response rate 90.7%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 27.9%
Industry median
Share closed with monetary or non-monetary relief.
ROYAL UNITED MORTGAGE LLC complaint mix by product
- Mortgage 77 89.5% – 30% relief
- Credit reporting, 4 4.7% – 25% relief
- Credit reporting 3 3.5% – 0% relief
- Debt collection 1 1.2% – 0% relief
- Credit reporting 1 1.2% – 0% relief
How ROYAL UNITED MORTGAGE LLC's 86 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 77 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit reporting or other personal consumer reports | 3 |
| Debt collection | 1 |
| Credit reporting | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 14 |
| IN | 11 |
| CA | 6 |
| FL | 6 |
| OH | 5 |
| NY | 5 |
| NJ | 4 |
| NC | 4 |
| AL | 3 |
| OR | 3 |
| MI | 3 |
| MO | 3 |
| PA | 3 |
| KY | 2 |
| IL | 2 |
| TN | 2 |
| GA | 2 |
| WI | 2 |
| MS | 1 |
| WV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 29 |
| Application, originator, mortgage broker | 21 |
| Closing on a mortgage | 8 |
| Improper use of your report | 7 |
| Trouble during payment process | 6 |
| Settlement process and costs | 3 |
| Credit decision / Underwriting | 3 |
| Loan modification,collection,foreclosure | 2 |
| Struggling to pay mortgage | 2 |
| Problem with a company's investigation into an existing issue | 1 |
| Loan servicing, payments, escrow account | 1 |
| Attempts to collect debt not owed | 1 |
| Unexpected or other fees | 1 |
| Incorrect information on credit report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 100% |
| 2014 | 6 | 83.3% |
| 2015 | 9 | 88.9% |
| 2016 | 10 | 100% |
| 2017 | 11 | 100% |
| 2018 | 9 | 100% |
| 2019 | 3 | 100% |
| 2020 | 9 | 88.9% |
| 2021 | 6 | 83.3% |
| 2022 | 2 | 50% |
| 2023 | 7 | 85.7% |
| 2024 | 6 | 66.7% |
| 2025 | 5 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About ROYAL UNITED MORTGAGE LLC
ROYAL UNITED MORTGAGE LLC has accumulated 86 consumer complaints in the CFPB public database, with filings active across 24 U.S. states. Of those submissions, 41 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2026-01-19, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, ROYAL UNITED MORTGAGE LLC reports a 90.7% timely-response rate and has closed 72.1% of cases with a written explanation to the consumer. 27.9% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 9.3% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Mortgage", and the single most common underlying issue is "Applying for a mortgage or refinancing an existing mortgage".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating ROYAL UNITED MORTGAGE LLC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does ROYAL UNITED MORTGAGE LLC have?
ROYAL UNITED MORTGAGE LLC has received 86 consumer complaints filed with the Consumer Financial Protection Bureau.
Does ROYAL UNITED MORTGAGE LLC respond to complaints on time?
ROYAL UNITED MORTGAGE LLC has a 90.7% timely response rate to CFPB complaints.
What is the most common complaint about ROYAL UNITED MORTGAGE LLC?
The most common issue reported against ROYAL UNITED MORTGAGE LLC is "Applying for a mortgage or refinancing an existing mortgage" in the "Mortgage" product category.
Read our methodology — how this data is sourced, computed, and verified.
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