Carrington Mortgage Services Review 2026

Carrington Mortgage Services has been in business since 2007. It’s headquartered in California and originates loans in 49 states, but it also has a robust servicing business in all 50 states and Puerto Rico. Since its founding, it has worked with more than 1.4 million customers.

Pros and cons of Carrington Mortgage Services

Affordability: 3.4 stars

Because it doesn’t supply any rate or fee information, Carrington receives lower marks for affordability. 

• Interest rates: Carrington doesn’t report personalized or sample mortgage rates on its website, and the lender didn’t respond to our survey.
• Down payment: Carrington offers a full suite of government-backed mortgage programs. FHA loans require at least a 3 percent down payment, and VA and USDA loans typically don’t require a down payment. 

Availability: 5 stars

Because of the company’s non-QM loan products and its widespread loan coverage, Carrington Mortgage Services scored 5 out of 5 for availability.

• Home loans offered: Carrington Mortgage Services offers a wide range of mortgage types, including non-QM loans for borrowers with bad credit or who need alternative income verification, none of which require private mortgage insurance. The lender also offers a full range of government-backed loans — FHA, USDA and VA loans — and the associated refinance programs, unlike many other lenders.
• Footprint: The company is licensed to originate mortgages in every state except Massachusetts.
• Where to apply for a loan: You can start a mortgage application online at any time.

Borrower experience: 2.8 stars

Because it lacks rate and fee transparency, Carrington received a low score for borrower experience.

• Application and preapproval process: To get prequalified with Carrington, you'll need to provide some financial information and wait to speak with a loan officer. Many lenders offer prequalification and preapproval online. 
• Transparency: While the company’s website clearly outlines credit score requirements for some loan products, there’s a lack of transparency regarding rates or fees.
• Customer service: You can call the lender at 888-267-0584 from Monday through Friday between 9 a.m. and 8 p.m. ET. The lender provides general customer service during similar hours, but not on weekends. 

Carrington Mortgage Services is not accredited by the Better Business Bureau and, because it has failed to respond to multiple consumer complaints, receives a C+ from the organization at the time of this writing. Carrington received a customer satisfaction score for servicing that was well below the industry average in the 2025 J.D. Power survey. 

What Bankrate users say about Carrington Mortgage Services

On Bankrate, borrowers have generally negative comments about the lender, citing unsupportive customer service and issues with loan servicing. 

Carrington Mortgage in the news

In late 2022, the Consumer Financial Protection Bureau took Carrington Mortgage Services to task for wrongfully charging late fees and providing false information about the pandemic forbearance program. Carrington paid a civil penalty of $5.25 million to the bureau and took steps to refund affected consumers.