NY · United States
Audit your New York 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 New York. New York also requires servicers to credit interest on your escrow balance — see below.
New York interest law
Servicers must credit interest on your escrow.
Servicers must pay at least 2% per year on escrow balances.
Statutory rate
2%
N.Y. Gen. Oblig. Law § 5-601
New York signals · CFPB data
Top 5 servicers by escrow-related complaints in New York.
831 total mortgage complaints in the last six months; 137 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.
- 01Shellpoint Partners22
- 02Rocket Mortgage16
- 03Selene Holdings LLC9
- 04FourLeaf Federal Credit Union8
- 05Ocwen Financial Corporation7
The same audit any homeowner gets — anchored to New York 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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