EscrowAudit
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SC · United States

Audit your South Carolina 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 South Carolina. South Carolina does not require interest on escrow balances, but the federal cushion-ceiling and shortage rules still apply.

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South Carolina law

No state interest requirement. Federal RESPA rules still apply.

State law does not require interest on escrow balances. RESPA's federal cushion-ceiling and refund rules still apply.

  • Cushion ceiling — 12 C.F.R. § 1024.17(c)(1)(ii)

    Servicer cushion cannot exceed one-sixth of annual disbursements.

  • Surplus refund — § 1024.17(f)(2)

    Surpluses of $50 or more must be refunded within 30 days.

  • Shortage spread — § 1024.17(f)(3)

    Shortages must be spread across at least 12 months.

  • QWR statutory window — 12 U.S.C. § 2605(e)

    Servicer must respond substantively within 30 business days.

South Carolina signals · CFPB data

Top 5 servicers by escrow-related complaints in South Carolina.

363 total mortgage complaints in the last six months; 88 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

  1. 01Rocket Mortgage
    15
  2. 02Freedom Mortgage Company
    8
  3. 03Shellpoint Partners
    7
  4. 04Village Capital & Investment LLC
    4
  5. 05PENNYMAC LOAN SERVICES
    4

The same audit any homeowner gets — anchored to South Carolina 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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