MD · United States

Audit your Maryland 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 Maryland. Maryland also requires servicers to credit interest on your escrow balance — see below.

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Maryland interest law

Servicers must credit interest on your escrow.

Lenders must pay interest at no less than their regular savings account rate.

Statutory rate

≥ savings account rate

Md. Code, Com. Law § 12-109

Maryland signals · CFPB data

Top 5 servicers by escrow-related complaints in Maryland.

611 total mortgage complaints in the last six months; 138 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

01Rocket Mortgage
24
02Shellpoint Partners
17
03Freedom Mortgage Company
10
04Ocwen Financial Corporation
8
05M&T BANK CORPORATION
8

The same audit any homeowner gets — anchored to Maryland 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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