EscrowAudit
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TX · United States

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

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Texas 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.

Texas signals · CFPB data

Top 5 servicers by escrow-related complaints in Texas.

1,000 total mortgage complaints in the last six months; 288 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

  1. 01Rocket Mortgage
    37
  2. 02Shellpoint Partners
    28
  3. 03PENNYMAC LOAN SERVICES
    19
  4. 04Freedom Mortgage Company
    19
  5. 05Ocwen Financial Corporation
    15

The same audit any homeowner gets — anchored to Texas 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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