Report a mortgage lender for discrimination

If you think you have experienced housing discrimination, submit a housing complaint with the Department of Housing and Urban Development (HUD). 

Housing discrimination happens when a lending institution gets in the way of a person buying housing because of their:

• Race or color
• National origin
• Religion
• Sex (gender, gender identity, or sexual orientation)
• Familial status (such as having children)
• Disability

The Fair Housing Act makes housing discrimination illegal. Read about the types of discrimination covered by the Fair Housing Act.

File a complaint about mortgage company services

If you are experiencing a problem with your mortgage company’s services, try contacting the company first. If you cannot resolve the issue with your lender, file a complaint with the Consumer Financial Protection Bureau (CFPB). Examples of common mortgage complaints include:

• Applying for a mortgage
• Receiving loan estimates and closing documents
• Transferring a mortgage to another servicer
• Applying your payments correctly
• Refinancing or modifying a mortgage loan
• Misreporting mortgage account status to you or credit reporting agencies
• Requiring private mortgage insurance
• Paying additional fees

Report deceptive mortgage practices and scams

Deceptive mortgage practices

Report a mortgage company to the Federal Trade Commission (FTC) if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: 

• False statements about their ability to offer a loan
• Fees for services the mortgage company didn’t provide
• Illegal tactics to collect on mortgage balances

Also, file a complaint with your state consumer protection office about deceptive mortgage practices.

Mortgage relief scams

A scammer may offer to adjust your mortgage so you will pay less and avoid foreclosure.

Learn from the FTC about mortgage relief scams, including:

• Types of mortgage relief scams
• What to do if you have been scammed
• Where to report a mortgage relief scam
• How to get real help if you are having trouble paying your mortgage