Who is complaining aboutROYAL UNITED MORTGAGE LLC?
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
6
7 in the 12 months before · 106 since 2013 · under 0.1% of all complaints the CFPB received
For its size
8,728 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.
Consumers sent the Consumer Financial Protection Bureau 6 complaints about ROYAL UNITED MORTGAGE LLC in the 12 months to 1 Oct 2026, down 14% on the 7 of the 12 months before. The database holds 106 complaints about the company going back to 2013.
ROYAL UNITED MORTGAGE LLC reported 8,728 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.
89.6% of the complaints on file fall under the CFPB product category “Mortgage”, followed by “Credit reporting or other personal consumer reports” at 4.7%. The issue selected most often was “Applying for a mortgage or refinancing an existing mortgage” (34.9%).
How the company's responses were recorded across all years: 74.5% closed with an explanation, 7.5% closed with non-monetary relief, 17.9% closed with monetary relief. 90.6% 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 106 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 1 Oct 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 | ROYAL UNITED MORTGAGE LLC | Peer median (76 companies) | All complaints nationally |
|---|---|---|---|
| Responses marked timely | 90.6% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 25.5% | 0% | 31.5% |
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.
- Mortgage95 · 89.6%
- Credit reporting or other personal consumer reports5 · 4.7%
- Credit reporting, credit repair services, or other personal consumer reports4 · 3.8%
- Debt collection1 · 0.9%
- Credit reporting1 · 0.9%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 37 | 34.9% |
| Application, originator, mortgage broker | 23 | 21.7% |
| Closing on a mortgage | 12 | 11.3% |
| Improper use of your report | 9 | 8.5% |
| Trouble during payment process | 9 | 8.5% |
| Settlement process and costs | 4 | 3.8% |
| Credit decision / Underwriting | 3 | 2.8% |
| Struggling to pay mortgage | 2 | 1.9% |
| Loan modification,collection,foreclosure | 2 | 1.9% |
| Problem with a company's investigation into an existing issue | 1 | 0.9% |
| Other CFPB issue categories | 4 | 3.8% |
Mortgage
95 complaints since 2011 (89.6% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 37 | 38.9% |
| Application, originator, mortgage broker | 23 | 24.2% |
| Closing on a mortgage | 12 | 12.6% |
| Trouble during payment process | 9 | 9.5% |
| Settlement process and costs | 4 | 4.2% |
| Other CFPB issue categories | 10 | 10.5% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Conventional home mortgage | 40 | 42.1% |
| Conventional fixed mortgage | 13 | 13.7% |
| FHA mortgage | 10 | 10.5% |
| Home equity loan or line of credit (HELOC) | 9 | 9.5% |
| Home equity loan or line of credit | 7 | 7.4% |
| Other or no sub-product recorded | 16 | 16.8% |
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 explanation79 · 74.5%
- Closed with monetary relief19 · 17.9%
- Closed with non-monetary relief8 · 7.5%
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 | 65 | 61.3% |
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 20 | 18.9% |
| Company believes the complaint is the result of a misunderstanding | 7 | 6.6% |
| Company chooses not to provide a public response | 5 | 4.7% |
| Company believes it acted appropriately as authorized by contract or law | 3 | 2.8% |
| Company believes complaint represents an opportunity for improvement to better serve consumers | 3 | 2.8% |
| Company disputes the facts presented in the complaint | 2 | 1.9% |
| Company believes complaint relates to a discontinued policy or procedure | 1 | 0.9% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 21 | 19.8% |
| Indiana | 11 | 10.4% |
| Florida | 9 | 8.5% |
| California | 8 | 7.5% |
| Ohio | 6 | 5.7% |
| New York | 5 | 4.7% |
| Illinois | 4 | 3.8% |
| New Jersey | 4 | 3.8% |
| Michigan | 4 | 3.8% |
| Pennsylvania | 4 | 3.8% |
| North Carolina | 4 | 3.8% |
| Missouri | 3 | 2.8% |
Top 12 of 25 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 ROYAL UNITED MORTGAGE LLC?
6 in the 12 months to 1 Oct 2026 (7 in the 12 months before that) and 106 since 2013. 0 arrived in the last 30 days and 2 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?
ROYAL UNITED MORTGAGE LLC reported 8,728 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?
89.6% of complaints on file are filed under “Mortgage”. The issues selected most often were “Applying for a mortgage or refinancing an existing mortgage” (34.9%), “Application, originator, mortgage broker” (21.7%), “Closing on a mortgage” (11.3%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does ROYAL UNITED MORTGAGE LLC respond to complaints?
74.5% were closed with an explanation, 7.5% with non-monetary relief and 17.9% with monetary relief; 90.6% 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 1 Oct 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 1 Oct 2026, complaints received through 1 Oct 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: Royal United Mortgage LLC. 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.