OR · United States

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

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Oregon interest law

Servicers must credit interest on your escrow.

Lenders must credit interest on escrow funds at least annually.

Statutory rate

prevailing market rate

Or. Rev. Stat. § 86.245

Oregon signals · CFPB data

Top 5 servicers by escrow-related complaints in Oregon.

187 total mortgage complaints in the last six months; 45 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

01Shellpoint Partners
10
02Rocket Mortgage
6
03AmeriHome Mortgage Company
5
04SELECT PORTFOLIO SERVICING
2
05RoundPoint Mortgage Servicing LLC
2

The same audit any homeowner gets — anchored to Oregon 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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