This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
American 1st Rate Mortgage, LLC - Debt Collector Complaint Profile
CFPB complaint profile across 3 states, reputation grade F.
Complaints by issue type
What consumers report about American 1st Rate Mortgage, LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
Data updated September 2026
CFPB complaint disposition
CCDB record american-1st-rate-mortgage-llc American 1st Rate Mortgage, LLC
Grade F · 4 CFPB filings · 0% timely · lead issue: Took or threatened to take negative or legal action · vol #3282 · compose #5128
- VOL 4
- GRADE F
- 12MO 4
- STATES 3
- TIMELY 0%
- ISSUE Took or threatened to take…
- RANK #3,282
- COMPOSE #5,128
Volume peers
Nearest volume peer: 90 Day Credit Experts (4 complaints)
American 1st Rate Mortgage, LLC's 4 CFPB complaints sit next to 90 Day Credit Experts on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →
State-heavy filing map
50.0% of American 1st Rate Mortgage, LLC's CFPB filings land in Michigan
High volume does not equal a clean composite: American 1st Rate Mortgage, LLC is volume #3,282 but composite #5,128, while Michigan dominates the geography. Corpus placement method.
- Dominant state
- Michigan 50.0%
- 2 of 4 filings · 3 states touched
- Seasonal peak
- 2020-09 11.1%
- 8–15% band · 2 filings
- Divergent corpus ranks
- #3,282 volume
- #5,128 composite
- Cleanest-composite ladder is 1,846 places worse than volume
How does American 1st Rate Mortgage, LLC compare to its peers?
Source: CFPB Consumer Complaint Database.
Complaint Trend (24 months)
Issue Detail Breakdown
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 3 |
| Attempts to collect debt not owed | 1 |
Where do complaints against American 1st Rate Mortgage, LLC come from?
American 1st Rate Mortgage, LLC's own per-state count, not a national baseline.
Top states by complaints against American 1st Rate Mortgage, LLC
Across 3 states with at least one filing
- Michigan
Michigan
2 complaints
- Georgia
Georgia
1 complaints
- New Mexico
New Mexico
1 complaints
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainCollector-derived comparison paths for American 1st Rate Mortgage, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest collectors by total CFPB complaints. This record: 4.
Know your rights before responding to American 1st Rate Mortgage, LLC: FDCPA rights guide · debt validation letter · rights library.
According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.
Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |