CFPB · Single-product concentration
Sierra Pacific Mortgage
147 CFPB complaints · 90.5% in "Mortgage" · top issue Trouble during payment process.
Sierra Pacific Mortgage: 90.5% of 147 CFPB complaints sit in "Mortgage". Timely 95.2% · relief 10.9%. Allegations, not findings.
- Single-product concentration
- -50% filings 2012 to 2026
CFPB relief outcome brief
CCDB company sierra-pacific-mortgage
10.9% relief · 95.2% timely · 147 filings · Mortgage
Same-product relief peers
Nearest relief peer: Fairway Independent Mortgage Corporation (11% relief)
Sierra Pacific Mortgage closes 10.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Sierra Pacific Mortgage scores strongest on timely response (92/100 percentile-benchmarked) and weakest on relief provided (51/100), 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
51 / 100 percentile-benchmarked
10.9% of complaints closed with relief to the consumer
Timely response
92 / 100 percentile-benchmarked
95.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
78 / 100 percentile-benchmarked
87.8% of complaints closed with an explanation to the consumer
Most of Sierra Pacific Mortgage's 147 filings include narrative text
44.9% 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.
Sierra Pacific Mortgage complaint mix by product
- Mortgage 133 90.5% – 12% relief
- Credit reporting, 8 5.4% – 0% relief
- Credit reporting 4 2.7% – 0% relief
- Debt collection 2 1.4% – 0% relief
How Sierra Pacific Mortgage's 147 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 133 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Credit reporting or other personal consumer reports | 4 |
| Debt collection | 2 |
Concentrated filing states for Sierra Pacific Mortgage
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 46.3% of this company's filings
Sierra Pacific Mortgage falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 68 |
| WA | 7 |
| NJ | 6 |
| FL | 5 |
| MD | 5 |
| NY | 5 |
| IL | 4 |
| OR | 4 |
| CO | 4 |
| TN | 3 |
| ID | 3 |
| VA | 3 |
| MA | 3 |
| TX | 3 |
| NC | 3 |
| AZ | 2 |
| SC | 2 |
| GA | 2 |
| IN | 2 |
| AR | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 60 |
| Loan servicing, payments, escrow account | 20 |
| Application, originator, mortgage broker | 14 |
| Struggling to pay mortgage | 13 |
| Incorrect information on your report | 12 |
| Closing on a mortgage | 8 |
| Applying for a mortgage or refinancing an existing mortgage | 8 |
| Settlement process and costs | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Attempts to collect debt not owed | 1 |
| Took or threatened to take negative or legal action | 1 |
| Improper use of your report | 1 |
| Other | 1 |
| Credit decision / Underwriting | 1 |
| Loan modification,collection,foreclosure | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 2 | 100% |
| 2013 | 4 | 100% |
| 2014 | 6 | 100% |
| 2015 | 11 | 81.8% |
| 2016 | 14 | 92.9% |
| 2017 | 8 | 100% |
| 2018 | 11 | 90.9% |
| 2019 | 11 | 72.7% |
| 2020 | 31 | 100% |
| 2021 | 26 | 100% |
| 2022 | 4 | 100% |
| 2023 | 9 | 100% |
| 2024 | 3 | 100% |
| 2025 | 6 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Sierra Pacific Mortgage filings cluster in one product
Sierra Pacific Mortgage's 147 logged complaints stay concentrated: only 26 states show a filing. 44.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-01-26.
Sierra Pacific Mortgage answers 95.2% of complaints inside the CFPB's tracked window and closes 87.8% with a written explanation. 10.9% 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 "Trouble during payment process."
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 Sierra Pacific Mortgage.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Sierra Pacific Mortgage: 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: 147.
- Ballybunion Enterprises, Inc Δ 0 complaints · 2% relief 147complaints
- Castle Credit Co Holdings, LLC, Chicago, IL Branch Δ 0 complaints · 0.7% relief 147complaints
- JTM Capital Management, LLC Δ 0 complaints · 0.7% relief 147complaints
- Law Offices of Hayt, Hayt & Landau, LLC Δ 0 complaints · 0% relief 147complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.2%.
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 Sierra Pacific Mortgage (95.2% timely; 10.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration