HUD
Est. 1965
U.S. Department of Housing and Urban Development — Mortgagee Review Board
Sanctions FHA-approved lenders. Actions protect borrowers in government-backed mortgage programmes.
Parent
U.S. Department of Housing and Urban Development
Jurisdiction
FHA-approved mortgage lenders and servicers
Headline
FHA lender sanctions · Mortgagee Review Board · First-time buyer programmes
What the HUD is
HUD's Mortgagee Review Board (MRB) has authority to sanction lenders and servicers that participate in FHA (Federal Housing Administration) mortgage programmes. FHA loans are government-backed mortgages that allow lower down payments — they are particularly important for first-time homebuyers and lower-income borrowers. The MRB can withdraw FHA approval, impose civil money penalties, or enter into settlement agreements with lenders that violate FHA programme requirements.
What the HUD does
- Reviews and sanctions FHA-approved lenders and servicers for programme violations
- Issues withdrawal of FHA approval — barring lenders from originating government-backed mortgages
- Imposes civil money penalties for false claims, improper origination, and servicing violations
- Investigates complaints about FHA loan origination and servicing
- Coordinates with DOJ on False Claims Act cases involving FHA loans
- Publishes Mortgagee Review Board actions in the Federal Register
Why ComplaintRate uses HUD data
HUD MRB actions specifically affect lenders serving the borrowers most likely to be harmed — FHA borrowers are disproportionately first-time buyers, lower-income borrowers, and minority borrowers. An MRB action indicates violations in the segment of the mortgage market where consumer harm has the most severe consequences. The HUD pipeline in ComplaintRate requires URL rediscovery following changes to the HUD website structure — this data layer will be updated when the pipeline is restored.
What HUD data means for you
If you have an FHA loan, HUD oversight directly affects your lender. An MRB action against your servicer indicates violations in FHA programme compliance — which includes requirements around loss mitigation, foreclosure avoidance, and servicing standards. FHA borrowers facing servicing problems can file complaints with HUD's Office of Housing at hud.gov/program_offices/housing/sfh/lender/lendercomplaint.
HUD fields in ComplaintRate database
hud_mrb_actionOther data sources
ComplaintRate.com is an independent data publisher and is not affiliated with, endorsed by, or sponsored by any U.S. federal agency. Data sourced from publicly available government databases.