Credit decision / Underwriting

5.6K consumer complaints across 387 companies

This page tracks consumer complaints about "Credit decision / Underwriting" filed with the CFPB. 5,649 complaints mention this issue across 387 companies. The most affected product category is "Mortgage".

5.6K
Total Complaints
387
Companies
Mortgage
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Wells Fargo & Company 861
2 Bank of America, National Association 819
3 JPMorgan Chase & Co. 543
4 Ocwen Financial Corporation 323
5 Citibank, N.a. 263
6 Nationstar Mortgage LLC 243
7 Ditech Financial LLC 146
8 Rocket Mortgage, LLC 124
9 U.S. Bancorp 119
10 PNC Bank N.A. 110
11 Suntrust Banks, Inc. 77
12 TD Bank Us Holding Company 73
13 HSBC North America Holdings Inc. 71
14 Select Portfolio Servicing, Inc. 68
15 Seterus, Inc. 54
16 Citizens Financial Group, Inc. 51
17 Freedom Mortgage Company 48
18 United Services Automobile Association 47
19 Capital One Financial Corporation 46
20 Fifth Third Financial Corporation 45
21 PHH Mortgage Services Corporation 45
22 Navy Federal Credit Union 43
23 Carrington Mortgage Services, LLC 39
24 BB&T Corporation 38
25 LD Holdings Group, LLC 38
26 Specialized Loan Servicing Holdings LLC 34
27 Everbank, National Association 32
28 Flagstar Bank, N.A. 31
29 M&T Bank Corporation 29
30 Regions Financial Corporation 28
31 Amerisave Mortgage Corporation 26
32 Caliber Home Loans, Inc. 22
33 Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) 21
34 BMO Bank National Association 20
35 Pennymac Loan Services, LLC. 19
36 Santander Bank, National Association 19
37 Pentagon Federal Credit Union 18
38 Cit Bank, National Association 18
39 Huntington National Bank, the 17
40 Keycorp 16
41 LoanCare, LLC 15
42 Rushmore Loan Management Services LLC 13
43 Bbva Financial Corporation 13
44 Residential Credit Solutions, Inc. 13
45 Shellpoint Partners, LLC 13
46 Prospect Mortgage, LLC 11
47 Movement Mortgage LLC 10
48 Embrace Home Loans 10
49 Selene Finance LP 10
50 RoundPoint Mortgage Servicing LLC 10

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Credit decision / Underwriting" Complaints

The CFPB public record contains 5,649 consumer complaints tagged with the issue "Credit decision / Underwriting", distributed across 387 distinct companies that have been named as the respondent on at least one filing. That mid-range spread suggests the issue recurs across a meaningful slice of the market without being universal, worth checking whether it clusters inside one product category or one business model.

The most common product category where "Credit decision / Underwriting" is raised is "Mortgage". See our methodology for how CFPB complaint routing and product-issue pairings work.

How to read complaint data responsibly

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "Credit decision / Underwriting" reflects consumer perception, not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "Credit decision / Underwriting", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional, this page is informational only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. This page draws directly on the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.