1St Midamerica — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-03-21

Resolution Rate

99.0%

Consumer inquiries resolved successfully

Timely Response

92.3%

Responded within 15-day window

Total Interactions

209

Consumer interactions on record

Services Used by Consumers

Mortgage 94.7%

Credit reporting, credit repair services, or other personal consumer reports 4.8%

Debt collection 0.5%

Consumer Feedback Categories

Trouble during payment process 54.1%

Struggling to pay mortgage 19.6%

Incorrect information on your report 6.2%

Applying for a mortgage or refinancing an existing mortgage 5.3%

Application, originator, mortgage broker 2.9%

Response Breakdown

Closed with explanation 200 (95.7%)

Closed with monetary relief 5 (2.4%)

Closed with non-monetary relief 2 (1.0%)

Closed 1 (0.5%)

Untimely response 1 (0.5%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows 1St Midamerica's responsiveness and resolution track record.

Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
Services Used — Which product categories consumers interact with most frequently.
Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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