CFPB · Single-product concentration
State Home Mortgage
132 CFPB complaints · 87.1% in "Mortgage" · top issue Trouble during payment process.
State Home Mortgage: 87.1% of 132 CFPB complaints sit in "Mortgage". Timely 31.1% · relief 0.8%. Allegations, not findings.
- Single-product concentration
- +133.3% filings 2012 to 2026
CFPB relief outcome brief
CCDB company state-home-mortgage
0.8% relief · 31.1% timely · 132 filings · Mortgage
Same-product relief peers
Nearest relief peer: Carrington Mortgage Services, LLC (0.8% relief)
State Home Mortgage closes 0.8% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
State Home Mortgage scores strongest on closed with explanation (93/100 percentile-benchmarked) and weakest on timely response (0/100), 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
4 / 100 percentile-benchmarked
0.8% of complaints closed with relief to the consumer
Timely response
0 / 100 percentile-benchmarked
31.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
93 / 100 percentile-benchmarked
96.2% of complaints closed with an explanation to the consumer
Most of State Home Mortgage's 132 filings include narrative text
40.9% 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.
State Home Mortgage complaint mix by product
- Mortgage 115 87.1% – 1% relief
- Debt collection 9 6.8% – 0% relief
- Credit reporting 4 3.0% – 0% relief
- Credit reporting, 3 2.3% – 0% relief
- Debt or 1 0.8% – 0% relief
How State Home Mortgage's 132 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 115 |
| Debt collection | 9 |
| Credit reporting or other personal consumer reports | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Debt or credit management | 1 |
Concentrated filing states for State Home Mortgage
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 96.2% of this company's filings
State Home Mortgage rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 7
- +133.3% vs 2012
Top States
| State | Complaints |
|---|---|
| GA | 127 |
| NY | 1 |
| AR | 1 |
| KY | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 49 |
| Loan modification,collection,foreclosure | 22 |
| Loan servicing, payments, escrow account | 20 |
| Struggling to pay mortgage | 16 |
| Incorrect information on your report | 4 |
| Closing on a mortgage | 3 |
| Settlement process and costs | 3 |
| Took or threatened to take negative or legal action | 3 |
| False statements or representation | 2 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Improper use of your report | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Problem with customer service | 1 |
| Taking/threatening an illegal action | 1 |
| Credit decision / Underwriting | 1 |
| Improper contact or sharing of info | 1 |
| Communication tactics | 1 |
| Attempts to collect debt not owed | 1 |
| Unable to get your credit report or credit score | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 3 | 100% |
| 2013 | 7 | 28.6% |
| 2014 | 12 | 41.7% |
| 2015 | 10 | 50% |
| 2016 | 16 | 43.8% |
| 2017 | 6 | 33.3% |
| 2018 | 12 | 33.3% |
| 2019 | 8 | 37.5% |
| 2020 | 6 | 0% |
| 2021 | 4 | 0% |
| 2022 | 12 | 25% |
| 2023 | 2 | 0% |
| 2024 | 13 | 30.8% |
| 2025 | 14 | 21.4% |
| 2026 | 7 | 0% |
Source: CFPB Consumer Complaint Database
State Home Mortgage filings cluster in one product
State Home Mortgage's 132 logged complaints stay concentrated: only 5 states show a filing. 40.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-05-15.
State Home Mortgage answers 31.1% of complaints inside the CFPB's tracked window and closes 96.2% with a written explanation. 0.8% 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 "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 State Home Mortgage.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for State Home 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: 132.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 31.1%.
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 State Home Mortgage (31.1% timely; 0.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration