Mortgages
21st Mortgage: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 37
- Closed with money back
- 0
- 2023 to 2025
- 12 to 18
21st Mortgage received 333 complaints from everyone in the window; 37 carried the servicemember tag. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 0 of the 37 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 12 in 2023 to 18 in 2025.
What the complaints are about
By product
| Mortgage | 28 |
| Credit reporting or other personal consumer reports | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Debt or credit management | 1 |
By issue
| Trouble during payment process | 13 |
| Struggling to pay mortgage | 8 |
| Closing on a mortgage | 6 |
| Incorrect information on your report | 4 |
| Improper use of your report | 3 |
| 2023: 12 | 2024: 7 | 2025: 18 |
Which accounts, specifically
| Conventional home mortgage | 16 |
| Manufactured home loan | 15 |
| Credit reporting | 8 |
| Other type of mortgage | 1 |
| Mortgage modification or foreclosure avoidance | 1 |
What went wrong, specifically
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 6 |
| Changes in loan terms during or after closing | 4 |
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 4 |
| Closing disclosure or other related disclosures | 3 |
| Foreclosure | 2 |
Busiest month: January 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (10), GA (7), FL (5) , then CA, CO, NC.
How 21st Mortgage answered
| Closed with explanation | 37 |
21st Mortgage responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Closing on a mortgage. OK, 2024-06-12. Outcome: Closed with explanation. Complaint 9237419
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Mortgage; Trouble during payment process. NC, 2024-04-20. Outcome: Closed with explanation. Complaint 8811704
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Mortgage; Closing on a mortgage. GA, 2024-04-18. Outcome: Closed with explanation. Complaint 8804603
If this is your problem at 21st Mortgage
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- Movement Mortgage 35 servicemember complaints; 0 with money back
- Guild 40 servicemember complaints; 0 with money back
- Guaranteed Rate 32 servicemember complaints; 0 with money back
- Rushmore Loan Management Services 32 servicemember complaints; 0 with money back
- Broker Solutions 43 servicemember complaints; 0 with money back
Next in the directory by volume: Albert, Dave Operating, Driveway Finance.
Frequently asked questions
How many complaints did servicemembers file against 21st Mortgage?
37 complaints tagged servicemember were received by the CFPB about 21ST MORTGAGE CORP. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 12 in 2023 to 18 in 2025.
What do servicemembers complain about most at 21st Mortgage?
Mortgage accounts for 28 of the 37 complaints, and the most common issue is "Trouble during payment process" (13). Next: "Struggling to pay mortgage" (8).
Does 21st Mortgage give money back when a servicemember complains?
0 of the 37 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 37 closed with an explanation only. 21st Mortgage answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.