EscrowAudit Research · Q2 2026
Escrow Shortage Index.
A quarterly index tracking US mortgage-servicer escrow complaints submitted to the CFPB. 1,000 total mortgage complaints in the last six months; 234 ( 23.4%) reference escrow shortage, cushion, RESPA, property tax, or hazard-insurance disputes.
CFPB · public dataOpen methodologyRefreshed quarterly
By servicer
Twelve servicers, half the complaints.
Bars are escrow-related complaint volume; the figure right of each bar is the percentage of that servicer's total complaints that are escrow-related.
- Shellpoint Partners3533.7%
- Rocket Mortgage3029.7%
By state
Where the complaints concentrate.
0
33+
Top 15 states · detail table
| State | Escrow-related | Total |
|---|---|---|
| TX | 33 | 100 |
| CA | 28 | 121 |
| FL | 23 | 88 |
| GA | 11 | 56 |
| SC | 11 | 27 |
| PA | 11 | 35 |
| NC | 10 | 35 |
| OH | 8 | 34 |
| NJ | 8 | 44 |
| VA | 8 | 30 |
| MD | 8 | 43 |
| TN | 7 | 26 |
| NY | 6 | 40 |
| AZ | 5 | 34 |
| IL | 5 | 35 |
Methodology
- Source: CFPB Consumer Complaint Database,
product=Mortgage, last 6 months. - "Escrow-related" = any of escrow, shortage, cushion, RESPA, property tax, hazard insurance, impound appears in the consumer narrative, issue, sub-issue, or sub-product.
- Servicers shown have ≥50 total complaints. Smaller volumes are excluded for noise.
- Index refreshed quarterly via Vercel Cron (1st week of Jan/Apr/Jul/Oct). Refresh telemetry is written to
escrow_shortage_index_refresh_logand the most recent successful run is shown in the page header. - Code open-source on GitHub.
For homeowners
Got an escrow shortage notice?
Most shortage statements contain math errors or excess cushion charges that violate RESPA. Run the free 90-second check, or pay from $39 for the full audit and the QWR letter your servicer must answer in 30 business days.