IL · United States
Audit your Illinois 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 Illinois. Illinois also requires servicers to credit interest on your escrow balance — see below.
Illinois interest law
Servicers must credit interest on your escrow.
Lenders must pay interest on escrow funds at the prevailing rate.
Statutory rate
prevailing market rate
765 ILCS 910/5
Illinois signals · CFPB data
Top 5 servicers by escrow-related complaints in Illinois.
650 total mortgage complaints in the last six months; 156 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.
- 01Shellpoint Partners24
- 02Rocket Mortgage14
- 03SELECT PORTFOLIO SERVICING13
- 04Mr. Cooper Group Inc.12
- 05LoanCare9
The same audit any homeowner gets — anchored to Illinois 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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