EscrowAudit
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FL · United States

Audit your Florida 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 Florida. Florida does not require interest on escrow balances, but the federal cushion-ceiling and shortage rules still apply.

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Florida law

No state interest requirement. Federal RESPA rules still apply.

State law does not require interest on escrow balances. RESPA's federal cushion-ceiling and refund rules still apply.

  • Cushion ceiling — 12 C.F.R. § 1024.17(c)(1)(ii)

    Servicer cushion cannot exceed one-sixth of annual disbursements.

  • Surplus refund — § 1024.17(f)(2)

    Surpluses of $50 or more must be refunded within 30 days.

  • Shortage spread — § 1024.17(f)(3)

    Shortages must be spread across at least 12 months.

  • QWR statutory window — 12 U.S.C. § 2605(e)

    Servicer must respond substantively within 30 business days.

Florida signals · CFPB data

Top 5 servicers by escrow-related complaints in Florida.

1,000 total mortgage complaints in the last six months; 275 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

  1. 01Shellpoint Partners
    46
  2. 02Rocket Mortgage
    32
  3. 03Mr. Cooper Group Inc.
    20
  4. 04SELECT PORTFOLIO SERVICING
    12
  5. 05Ocwen Financial Corporation
    12

The same audit any homeowner gets — anchored to Florida 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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