Who is complaining aboutEMBRACE HOME LOANS?
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
2
2 in the 12 months before · 149 since 2012 · under 0.1% of all complaints the CFPB received
For its size
6,630 HMDA records
The mortgage applications and loans it reported under HMDA for 2025. With fewer than 20 complaints in 12 months, no per-size rate is calculated.
The CFPB complaint database records 2 complaints about EMBRACE HOME LOANS in the 12 months to 30 Sep 2026, about level with the 2 of the 12 months before, and 149 in all since 2012.
EMBRACE HOME LOANS reported 6,630 mortgage applications and loans under the Home Mortgage Disclosure Act for 2025. Fewer than 20 complaints arrived in the last 12 months, too few for a per-size rate.
94.6% of the complaints on file fall under the CFPB product category “Mortgage”, followed by “Credit reporting, credit repair services, or other personal consumer reports” at 3.4%. The issue selected most often was “Loan servicing, payments, escrow account” (30.2%).
How the company's responses were recorded across all years: 59.7% closed with an explanation, 5.4% closed with non-monetary relief, 10.7% closed with monetary relief, and 0.7% still in progress when the file was published. 96% 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 | EMBRACE HOME LOANS | Peer median (76 companies) | All complaints nationally |
|---|---|---|---|
| Responses marked timely | 96% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 16.2% | 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. Response shares for this company cover all years because it received fewer than 20 complaints in the last 12 months.
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, since 2011.
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Loan servicing, payments, escrow account | 45 | 30.2% |
| Application, originator, mortgage broker | 18 | 12.1% |
| Loan modification,collection,foreclosure | 17 | 11.4% |
| Applying for a mortgage or refinancing an existing mortgage | 16 | 10.7% |
| Trouble during payment process | 12 | 8.1% |
| Settlement process and costs | 11 | 7.4% |
| Credit decision / Underwriting | 10 | 6.7% |
| Closing on a mortgage | 6 | 4% |
| Improper use of your report | 5 | 3.4% |
| Struggling to pay mortgage | 3 | 2% |
| Other CFPB issue categories | 6 | 4% |
Mortgage
141 complaints since 2011 (94.6% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Loan servicing, payments, escrow account | 45 | 31.9% |
| Application, originator, mortgage broker | 18 | 12.8% |
| Loan modification,collection,foreclosure | 17 | 12.1% |
| Applying for a mortgage or refinancing an existing mortgage | 16 | 11.3% |
| Trouble during payment process | 12 | 8.5% |
| Other CFPB issue categories | 33 | 23.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| FHA mortgage | 51 | 36.2% |
| Conventional fixed mortgage | 26 | 18.4% |
| Other mortgage | 25 | 17.7% |
| Conventional home mortgage | 17 | 12.1% |
| VA mortgage | 13 | 9.2% |
| Other or no sub-product recorded | 9 | 6.4% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation89 · 59.7%
- Closed35 · 23.5%
- Closed with monetary relief16 · 10.7%
- Closed with non-monetary relief8 · 5.4%
- All other categories1 · 0.7%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| No public response category recorded | 122 | 81.9% |
| Company believes it acted appropriately as authorized by contract or law | 16 | 10.7% |
| Company believes complaint is the result of an isolated error | 4 | 2.7% |
| Company believes the complaint is the result of a misunderstanding | 3 | 2% |
| Company believes complaint caused principally by actions of third party outside the control or direction of the company | 2 | 1.3% |
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 2 | 1.3% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Maryland | 17 | 11.4% |
| Florida | 14 | 9.4% |
| Georgia | 12 | 8.1% |
| Pennsylvania | 9 | 6% |
| Virginia | 8 | 5.4% |
| North Carolina | 7 | 4.7% |
| New Jersey | 6 | 4% |
| Alabama | 6 | 4% |
| Kentucky | 5 | 3.4% |
| New York | 5 | 3.4% |
| Illinois | 4 | 2.7% |
| Connecticut | 4 | 2.7% |
Top 12 of 37 states with at least one complaint since 2011. 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 EMBRACE HOME LOANS?
2 in the 12 months to 30 Sep 2026 (2 in the 12 months before that) and 149 since 2012. 1 arrived in the last 30 days and 1 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?
EMBRACE HOME LOANS reported 6,630 mortgage applications and loans under the Home Mortgage Disclosure Act for 2025. Fewer than 20 complaints arrived in the last 12 months, too few for a per-size rate. 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?
94.6% of complaints on file are filed under “Mortgage”. The issues selected most often were “Loan servicing, payments, escrow account” (30.2%), “Application, originator, mortgage broker” (12.1%), “Loan modification,collection,foreclosure” (11.4%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does EMBRACE HOME LOANS respond to complaints?
59.7% were closed with an explanation, 5.4% with non-monetary relief and 10.7% with monetary relief; 96% 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: Embrace Home Loans, Inc.. 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.