EscrowAudit
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MN · United States

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

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Minnesota interest law

Servicers must credit interest on your escrow.

Escrow accounts must earn interest at least equal to the prevailing rate.

Statutory rate

prevailing market rate

Minn. Stat. § 47.20 subd. 9

Minnesota signals · CFPB data

Top 5 servicers by escrow-related complaints in Minnesota.

227 total mortgage complaints in the last six months; 42 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

  1. 01Shellpoint Partners
    10
  2. 02Rocket Mortgage
    5
  3. 03Freedom Mortgage Company
    4
  4. 04LoanCare
    4
  5. 05U.S. BANCORP
    3

The same audit any homeowner gets — anchored to Minnesota 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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