How can I contact the regulator that oversees my mortgage lender?

Q: I’m having trouble with my mortgage company in Tennessee and can't seem to find the number for the regulators who would oversee a company located in Knoxville. I live in a mobile home and can't seem to find a phone number. Can you help?

A: Typically, mortgage lenders are regulated by a state banking department, but in some cases they may be managed by the department which also regulates real estate transactions. In the case of Tennessee, the regulator should be the Tennessee Department of Financial Institutions, which can be found at

For other states, please refer to’s list of state banking departments.

To help you understand how to complain and who to complain to, you should read HSH's Complaint Guide for Homebuyers and Homeowners.

Although you should start with the local authority first, you should also know that the Consumer Finance Protection Bureau (CFPB) also solicits comments and complaints about mortgage lenders and lending practices . Visit the CFPB, and click on the "Consumer Education" then on either "Submit a Complaint" or "Tell Your Story" links to tell your story and they may be able to help you.

Ask the expert
Keith Gumbinger
Keith Gumbinger
Mortgage Expert
Vice President,
About Keith: Mortgage market observer and analyst with 35 years experience... (more)
Submitting your question...

Question received! Check back later to see if your
question gets published.

Q: Can I get forbearance for my mortgage?
MAY 19, 2020

The answer is "possibly." It depends on the situation.

Read More
Q: Is mortgage insurance tax deductible?
DEC 22, 2020

Tax deductibility for PMI premiums or MI premiums for FHA loans has been an on-again, off-again kind of thing. For 2020, it's on.

Read More
Q: How many times can I use my VA home loan?
OCT 31, 2019

There are three ways you can restore your VA eligibility so that you can take advantage of it more than once.

Read More
Add to Homescreen?
Install this web app on your phone :tap and then Add to homescreen