Who is complaining about21ST MORTGAGE CORP.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
191
145 in the 12 months before · 1,118 since 2012 · under 0.1% of all complaints the CFPB received
For its size
0.94per 1,000 HMDA records
Mortgage complaints (150) against the 159,172 mortgage applications and loans it reported under HMDA for 2025.
Median among the 27 peer companies (main category Mortgage) with the same size measure: 1.47.
In the 12 months to 30 Sep 2026 the CFPB received 191 complaints naming 21ST MORTGAGE CORP., up 32% on the 145 of the 12 months before. Since 2012 the total is 1,118.
21ST MORTGAGE CORP. reported 159,172 mortgage applications and loans under the Home Mortgage Disclosure Act for 2025. Its 150 mortgage complaints in 12 months work out to 0.94 per 1,000 of those records, below the median of 1.47 among the 27 peer companies in the same main category that share this size measure. HMDA counts lending activity, not loans serviced.
78.5% of the complaints in that period fall under the CFPB product category “Mortgage”, followed by “Credit reporting or other personal consumer reports” at 14.1%. The issue selected most often was “Struggling to pay mortgage” (36.6%).
How the company's responses were recorded over the 12 months: 100% closed with an explanation, 0% closed with non-monetary relief, 0% closed with monetary relief. 99.5% of responses were marked timely; the median among the 76 companies whose complaints mainly concern “Mortgage” is 100%.
Among those 76 peer companies the median received 105.5 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | 21ST MORTGAGE CORP. | Peer median (76 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 191 | 105.5 | 6,938,056 |
| Change on the 12 months before | 32% | 38.5% | 45% |
| Mortgage complaints per 1,000 HMDA records (median of the 27 peers with this measure) | 0.94 | 1.47 | — |
| Responses marked timely | 99.5% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 0% | 0% | 31.6% |
Peers are the 76 companies on this site whose largest complaint category is Mortgage and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Mortgage150 · 78.5%
- Credit reporting or other personal consumer reports27 · 14.1%
- Debt collection14 · 7.3%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Struggling to pay mortgage | 70 | 36.6% |
| Trouble during payment process | 47 | 24.6% |
| Closing on a mortgage | 19 | 9.9% |
| Incorrect information on your report | 18 | 9.4% |
| Applying for a mortgage or refinancing an existing mortgage | 10 | 5.2% |
| Attempts to collect debt not owed | 7 | 3.7% |
| Problem with a company's investigation into an existing problem | 7 | 3.7% |
| Improper use of your report | 4 | 2.1% |
| Took or threatened to take negative or legal action | 4 | 2.1% |
| Communication tactics | 3 | 1.6% |
| Other CFPB issue categories | 2 | 1% |
Mortgage
150 complaints in the last 12 months (78.5% of this company's total); 102 in the 12 months before. That is 0.5% of all complaints in the category nationally. 0% of closed complaints ended with relief; 99.3% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Struggling to pay mortgage | 70 | 46.7% |
| Trouble during payment process | 47 | 31.3% |
| Closing on a mortgage | 19 | 12.7% |
| Applying for a mortgage or refinancing an existing mortgage | 10 | 6.7% |
| Incorrect information on your report | 4 | 2.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Manufactured home loan | 122 | 81.3% |
| Conventional home mortgage | 22 | 14.7% |
| FHA mortgage | 3 | 2% |
| Home equity loan or line of credit (HELOC) | 1 | 0.7% |
| VA mortgage | 1 | 0.7% |
| Other or no sub-product recorded | 1 | 0.7% |
Credit reporting or other personal consumer reports
27 complaints in the last 12 months (14.1% of this company's total); 35 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 27 | 100% |
Debt collection
14 complaints in the last 12 months (7.3% of this company's total); 7 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 7 | 50% |
| Took or threatened to take negative or legal action | 4 | 28.6% |
| Communication tactics | 3 | 21.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| I do not know | 10 | 71.4% |
| Mortgage debt | 4 | 28.6% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation191 · 100%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 43 | 22.5% |
| Florida | 15 | 7.9% |
| South Carolina | 12 | 6.3% |
| Alabama | 12 | 6.3% |
| Georgia | 11 | 5.8% |
| North Carolina | 10 | 5.2% |
| Louisiana | 8 | 4.2% |
| Kentucky | 8 | 4.2% |
| Arkansas | 7 | 3.7% |
| Michigan | 6 | 3.1% |
| Mississippi | 5 | 2.6% |
| New York | 5 | 2.6% |
Top 12 of 32 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Mortgage, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about 21ST MORTGAGE CORP.?
191 in the 12 months to 30 Sep 2026 (145 in the 12 months before that) and 1,118 since 2012. 11 arrived in the last 30 days and 42 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
21ST MORTGAGE CORP. reported 159,172 mortgage applications and loans under the Home Mortgage Disclosure Act for 2025. Its 150 mortgage complaints in 12 months work out to 0.94 per 1,000 of those records, below the median of 1.47 among the 27 peer companies in the same main category that share this size measure. HMDA counts lending activity, not loans serviced. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
78.5% of complaints in the last 12 months are filed under “Mortgage”. The issues selected most often were “Struggling to pay mortgage” (36.6%), “Trouble during payment process” (24.6%), “Closing on a mortgage” (9.9%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does 21ST MORTGAGE CORP. respond to complaints?
100% were closed with an explanation, 0% with non-monetary relief and 0% with monetary relief; 99.5% of responses were timely (peer median 100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: 21ST MORTGAGE. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.