CFPB · Single-product concentration
SHM Holdings, LLC
14 CFPB complaints · 92.9% in "Mortgage" · top issue Applying for a mortgage or refinancing an existing mortgage.
SHM Holdings, LLC: 92.9% of 14 CFPB complaints sit in "Mortgage". Timely 100% · relief 7.1%. Allegations, not findings.
- Single-product concentration
- 0% filings 2020 to 2025
CFPB relief outcome brief
CCDB company shm-holdings-llc
7.1% relief · 100% timely · 14 filings · Mortgage
Same-product relief peers
Nearest relief peer: Sortis Financial, Inc. (7.2% relief)
SHM Holdings, LLC closes 7.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
SHM Holdings, LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (33/100), 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
33 / 100 percentile-benchmarked
7.1% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
87 / 100 percentile-benchmarked
92.9% of complaints closed with an explanation to the consumer
Most of SHM Holdings, LLC's 14 filings include narrative text
71.4% 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.
SHM Holdings, LLC complaint mix by product
- Mortgage 13 92.9% – 8% relief
- Credit reporting, 1 7.1% – 0% relief
How SHM Holdings, LLC's 14 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 13 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where SHM Holdings, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 35.7% of this company's filings
SHM Holdings, LLC complaints by year
Annual filing volume from the CFPB public database
- 2025
- 1
- 0% vs 2020
Top States
| State | Complaints |
|---|---|
| CA | 5 |
| TX | 2 |
| AZ | 2 |
| FL | 1 |
| WA | 1 |
| PA | 1 |
| OR | 1 |
| OK | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 9 |
| Closing on a mortgage | 2 |
| Improper use of your report | 2 |
| Trouble during payment process | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 1 | 100% |
| 2021 | 8 | 100% |
| 2022 | 4 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database
SHM Holdings, LLC filings cluster in one product
SHM Holdings, LLC's 14 logged complaints stay concentrated: only 8 states show a filing. 71.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2025-05-19.
SHM Holdings, LLC answers 100% of complaints inside the CFPB's tracked window and closes 92.9% with a written explanation. 7.1% 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 SHM Holdings, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SHM Holdings, LLC: 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: 14.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 SHM Holdings, LLC (100% timely; 7.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration