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NMLS ID verifiedLenderHQ in Knox County

21st Mortgage

Knoxville, Tennessee · HQ in Knox County · NMLS #2280

21st Mortgage Corporation (NMLS #2280) specializes in manufactured and specialty housing finance nationwide, with multi-thousand Florida originations in 2025 HMDA data.

Research Score

50 / 100

Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.

Data Confidence

87 / 100

High data confidence

NMLS / License Status

NMLS ID verified

NMLS #2280 — re-confirm on NMLS Consumer Access before applying.

Local Market Evidence

Local market evidence · Knox County

HQ locality derived from listed_county (Knoxville)

Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology

Score factors
  • NMLS identity evidence: 28/28 — NMLS #2280 — re-confirm on NMLS Consumer Access before applying.
  • Third-party reputation snapshot: 0/26 — No review volume on file
  • CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
  • BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
  • Licensed locality completeness: 8/12 — Derived HQ locality: Knox County (listed_county)
  • Loan type disclosure: 6/6 — 3 loan type(s) listed
No independently verified closing-performance data available
Closing performance

Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #2280 on NMLS Consumer Access.

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Loan Types

ConventionalFHARefinance

Specialties

Manufactured / specialty housing financeNational multi-state originatorFlorida HMDA activity

Public metrics (provenance-gated)

CFPB complaints (catalog): 0

Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.

Product / credit tiers listed: Excellent, Good, Fair

Self-described product focus as listed — not underwriting criteria.

Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.

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Federal mortgage data · HMDA

What the federal data shows

Source: 2025 HMDA · Texas activity (primary of 3 states) · Not a score or ranking

Research panel
Texas originations
6,763
Counties with activity (TX)
30

Among tracked high-volume counties in this state slice

Texas applications
37,961

HMDA applications in state summary (selected outcomes)

Also mapped in: Florida (2,098 originations) · Georgia (1,218 originations)

Top counties by originations

  • Ector County257
  • Liberty County255
  • Bexar County201
  • Midland County196
  • Montgomery County193

Loan-type mix (Texas originations)

Conventional100.0% · 6,763

Market share in key counties

Share of county originations among all HMDA filers in that county (shown when ≥ 1%).

Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.

We show the public record. You decide.

Consumer complaint context · CFPB

What the public complaint record shows

Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking

Research panel
Mortgage complaints (all published)
915

Cumulative published rows for matched company name(s)

Recent complaints (~24 months)
226

Published on or after 2024-08-10

Timely company response
99.7%

912 yes · 3 no (CFPB field)

Top complaint issues

  • Struggling to pay mortgage281(30.7%)
  • Trouble during payment process205(22.4%)
  • Loan modification,collection,foreclosure140(15.3%)
  • Loan servicing, payments, escrow account116(12.7%)
  • Applying for a mortgage or refinancing an existing mortgage62(6.8%)

Company response (as published)

  • Closed with explanation903(98.7%)
  • Closed with non-monetary relief9(1%)
  • Closed with monetary relief2(0.2%)
  • Closed1(0.1%)
Size context vs Florida HMDA originations (experimental)

107.7complaints / 1,000 FL originations

Uses recent (~24 month) national mortgage complaints (226) and Florida HMDA originations (2,098, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.

Matching & scope

Matched to CFPB company name “21ST MORTGAGE CORP.”.

CFPB company name(s): 21ST MORTGAGE CORP.

Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 2,098.

Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.

We show the public record. You decide.

Research listing only — not an endorsement. Public panels (when shown) cite HMDA and/or CFPB sources with as-of dates. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker and does not provide financial advice. We show the public record. You decide.