What is the most common complaint against Impac Mortgage Holdings, Inc.?

The most common issue consumers report about Impac Mortgage Holdings, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 2 complaints filed with the CFPB.

Are complaints against Impac Mortgage Holdings, Inc. increasing or decreasing?

Complaints against Impac Mortgage Holdings, Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Impac Mortgage Holdings, Inc.'s reputation grade?

Impac Mortgage Holdings, Inc. has a reputation grade of C (score: 57.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Impac Mortgage Holdings, Inc. respond to consumer complaints?

Impac Mortgage Holdings, Inc. has a 50% timely response rate to CFPB complaints.

In how many states does Impac Mortgage Holdings, Inc. operate?

Impac Mortgage Holdings, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from California (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Impac Mortgage Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record impac-mortgage-holdings-inc Impac Mortgage Holdings, Inc.

Grade C · 2 CFPB filings · 50% timely · lead issue: Took or threatened to take negative or legal action · vol #4135 · compose #2826

VOL 2
GRADE C
12MO 1
STATES 1
TIMELY 50%
ISSUE Took or threatened to take…
RANK #4,135
COMPOSE #2,826

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Impac Mortgage Holdings, Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, Inc. 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

100.0% of Impac Mortgage Holdings, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Impac Mortgage Holdings, Inc. is volume #4,135 but composite #2,826, while California dominates the geography. Corpus placement method.

Dominant state: California 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2025-01 40.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,135 volume; #2,826 composite; Cleanest-composite ladder is 1,309 places better than volume

How does Impac Mortgage Holdings, Inc. compare to its peers?

How does IMPAC MORTGAGE HOLDINGS, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

IMPAC MORTGAGE HOLDING… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

100%

91%

Consumer-dispute ratelower is better

100%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2025-12

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2

Where do complaints against Impac Mortgage Holdings, Inc. come from?

Impac Mortgage Holdings, Inc.'s own per-state count, not a national baseline.

California

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Impac Mortgage Holdings, Inc.: 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: 2.

4 peers

Know your rights before responding to Impac Mortgage Holdings, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

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.