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 that oversee 21st Mortgage 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 baking departments.

Although you should start with the local authority first, you should also know that the Consumer Finance Protection Bureau (CFPB) is also soliciting comments and complaints about mortgage lenders and lending practices.

Visit, and click on the "Submit a Complaint" link to tell your story and they may be able to help you.

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Keith Gumbinger
Keith Gumbinger
Mortgage Expert
Vice President,
About Keith: Mortgage market observer and analyst with 35 years experience... (more)
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