CA · United States

Audit your California mortgage escrow statement.

65% of US mortgage escrow accounts came up short by $2,157 on average in 2026 (CNBC). The same RESPA cushion-ceiling math applies in California. California also requires servicers to credit interest on your escrow balance — see below.

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California interest law

Servicers must credit interest on your escrow.

Servicers must pay at least 2% per year on escrow balances.

Statutory rate

Cal. Civ. Code § 2954.8

California signals · CFPB data

Top 5 servicers by escrow-related complaints in California.

1,000 total mortgage complaints in the last six months; 205 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

01Shellpoint Partners
24
02Rocket Mortgage
18
03Freedom Mortgage Company
14
04SELECT PORTFOLIO SERVICING
12
05Mr. Cooper Group Inc.
11

The same audit any homeowner gets — anchored to California law where it differs from federal.

Free 90-second self-check first. If the cushion ceiling is violated or any other RESPA rule is broken, run the $39 audit and we generate the Qualified Written Request letter your servicer must answer.

Full RESPA audit + math reconciliation
QWR letter PDF (Plus tier: we mail it Certified)
CFPB + state-AG complaint drafts

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