Independent profile — not affiliated with Midland Mortgage

Midland Mortgage Reviews & Complaints

Midland Mortgage is the mortgage servicing division of MidFirst Bank, a federal savings association in Oklahoma City. It collects payments, manages escrow and handles mortgage assistance on home loans it has acquired from other lenders. Customer Service is (800) 654-4566 and Mortgage Assistance is (800) 552-3000. Written notices of error go to a designated P.O. box, and unresolved problems can be filed with the CFPB or the OCC. BBB lists Midland Mortgage as an accredited business, and the CFPB database lists 2,170 bank-wide complaints under MidFirst Bank.

REVIEWS & COMPLAINTS103on USAComplaints · none in last 3 yrs · latest 2013
PHONE(800) 654-4566Customer Service
WEBSITEmymidlandmortgage.com
HEADQUARTERSOklahoma City, OK
PROFILE CHECKED2026-10-28
Submit a Complaint Read reviews & complaints ↓ Call (800) 654-4566 Official website ↗
VERIFIED

Contacts & Payment

Customer service & general contact

Cancel, billing & returns

Account & login

Fax & written correspondence

  • Payoff statements fax(405) 767-5599
  • Customer Service fax(405) 767-5500
Show all 14 contacts

Fax & written correspondence (continued)

  • Mortgage Assistance Center fax(405) 767-5815
  • Homeowners and flood insurance fax(855) 768-2910
  • Verification of mortgage requests fax(405) 858-3220
  • Property damage fax(405) 767-5515

Other contacts

VERIFIED

Locations

  • HeadquartersMidFirst Bank main office, 501 NW Grand Blvd Oklahoma City OK 73118
  • Mailing addressMidland Mortgage, Attn: Payment Processing, P.O. Box 268888 Oklahoma City OK 73126
  • Mailing addressMidland Mortgage, Attn: Payment Processing, 999 NW Grand Blvd, Suite 100 (overnight payments) Oklahoma City OK 73118
Show 5 more locations
  • Mailing addressMidland Mortgage, Attn: Customer Service Center, P.O. Box 26648 Oklahoma City OK 73126
  • Mailing addressMidland Mortgage, a Division of MidFirst Bank, P.O. Box 268959 (qualified written requests, notices of error, information requests, credit disputes) Oklahoma City OK 73126-8959
  • Mailing addressMidland Mortgage, Mortgage Assistance Center, P.O. Box 268806 Oklahoma City OK 73126
  • Mailing addressMidland Mortgage, Attn: Insurance Service Center, P.O. Box 163529 Fort Worth TX 76161
  • Mailing addressMidland Mortgage, Attn: Loss Drafts Department, P.O. Box 268912 Oklahoma City OK 73126
EDITORIAL

Midland Mortgage problems: who to call, where to write, how to dispute

Phone numbers by department. Midland Mortgage lists these lines on its contact and property damage pages:

  • Customer Service: (800) 654-4566, weekdays 8 a.m. to 7 p.m. and Saturdays 9 a.m. to 1 p.m. Central time. The same number also reaches an automated system at any hour. TTY: (800) 946-7481.
  • Mortgage Assistance: (800) 552-3000, same hours as Customer Service.
  • Property Insurance: (866) 439-2712, weekdays 8 a.m. to 5 p.m. Central time.
  • Property damage and insurance claim funds: (800) 480-1305, weekdays 8 a.m. to 5 p.m. Central time.

Use the number on your statement or on Midland's own website. Midland's fraud warning says not to call a number given to you by someone else.

Where to send payments. By mail: Midland Mortgage, Attn: Payment Processing, P.O. Box 268888, Oklahoma City, OK 73126. Overnight payments: Attn: Payment Processing, 999 NW Grand Blvd, Suite 100, Oklahoma City, OK 73118. Midland also takes Auto Pay on a day you choose between the due date and the end of the grace period, one-time payments from a checking or savings account after sign-in, payments by phone, and wire transfers using the instructions on its Ways to Pay page.

Disputing an error or asking for information. Federal rules let a mortgage servicer designate an address for written notices of error and information requests, and the legal protections apply only to letters sent there, not to the payment address. Midland's procedures give it as Midland Mortgage, a Division of MidFirst Bank, P.O. Box 268959, Oklahoma City, OK 73126-8959; its contact page lists the same box as MidFirst Bank, c/o Midland Mortgage Division. MidFirst Bank's general contact page gives a different box, P.O. Box 258832, for MidFirst loans; for a loan serviced by Midland, use P.O. Box 268959 or the address printed on your statement. Include your name, property address and loan number, describe the error or the information you want, and send it as a separate letter: a servicer does not have to treat a note on a payment coupon as a notice of error. According to Midland's procedures, it sends an acknowledgment within 5 days and, for a notice of error, corrects the error or explains the result of its investigation within 30 days, with a possible 15-day extension; Saturdays, Sundays and legal public holidays do not count, and the timelines can change if a foreclosure sale is less than 30 days away. A request for the name and contact details of the owner of your loan is answered within 10 days. Midland states it does not report adverse information about the disputed payment to a credit bureau for 60 days after receiving the notice, unless it tells you during that time that no error occurred. These deadlines match Regulation X, 12 CFR 1024.35 and 1024.36. Under 12 CFR 1024.36 you can also ask in writing for other information about your loan, such as a payment history; the servicer must answer within 30 business days, with a possible 15-day extension. If Midland answers a notice of error by saying no error occurred, you can ask for copies of the documents it relied on, which it must send within 15 business days under 12 CFR 1024.35(e)(4). Send letters by a trackable method such as certified mail and keep a copy.

Read the rest of this section

Foreclosure protections under federal rules. A letter disputing an error is not an application for help; to get the protections below you need to submit a complete loss mitigation application through Mortgage Assistance. Under Regulation X, 12 CFR 1024.41, a servicer generally may not make the first notice or filing for foreclosure until the loan is more than 120 days delinquent. If you submit a complete loss mitigation application before that first filing, the servicer may not start foreclosure unless it has told you in writing that you are not eligible for any option and any appeal has been decided or its time has run out, you have rejected all options offered, or you have not kept to an agreed option. If the complete application arrives after foreclosure has started but more than 37 days before a sale, the servicer must evaluate it within 30 days, and the same conditions apply before it may move for a foreclosure judgment or order of sale or hold the sale. If a loan modification is denied on an application received 90 days or more before a sale, you have 14 days to appeal. FHA loans carry additional HUD loss mitigation requirements, the subject of the HUD Inspector General audit described on this page. A HUD-approved housing counselor or a local legal aid office can help you assemble the application.

Payoff statement. Ask in writing. Under Regulation Z, 12 CFR 1026.36(c)(3), a servicer must send an accurate payoff statement within a reasonable time and no more than seven business days after a written request; the time can be longer if the loan is in bankruptcy or foreclosure or after a natural disaster. Midland lists (405) 767-5599 as its fax for payoff statements. If the payoff figure is wrong, a notice of error about it must be resolved within seven business days.

Insurance checks after storm or fire damage. Midland says that as servicer and lienholder it helps borrowers reach their insurance claim funds, and it directs them to its property claim center at propertyclaimcenter.com/Midland or (800) 480-1305 for instructions and forms.

If you are behind on payments. Call Mortgage Assistance at (800) 552-3000 or apply through Midland's website. Midland's plans include partial claim, repayment plan, loan modification and unemployment plans, and, for homeowners who want to leave, sale, short sale and deed-in-lieu options. After a disaster, its forbearance plan lets you stop payments for three months; interest still accrues, but Midland says it does not charge late fees or report the loan as past due during the plan. When the plan ends, the three skipped payments are due in a lump sum unless you apply and qualify for a permanent option such as a loan modification. Free help is also available from a HUD-approved housing counselor at (800) 569-4287. Midland says that servicers and HUD-approved counselors help at no cost, and that anyone asking for an upfront fee, or telling you to stop paying or to stop talking to Midland, is a warning sign.

Escalating. File a complaint with the CFPB at consumerfinance.gov/complaint or (855) 411-2372 (9 a.m. to 6 p.m. Eastern, Monday to Friday); the CFPB sends it to the company, and most companies respond within 15 days. MidFirst Bank is a federal savings association supervised by the OCC, whose Customer Assistance Group takes complaints at HelpWithMyBank.gov or (800) 613-6743, Monday to Friday, 7 a.m. to 7 p.m. Central time. Your state attorney general's consumer protection office and the BBB are other routes.

EDITORIAL

Company Information

Legal name
MidFirst Bank
Business type
Mortgage servicing division of MidFirst Bank
Website
mymidlandmortgage.comSource: Midland Mortgage About Us page, checked 2026-10-28
Headquarters
Oklahoma City, OKSource: FDIC BankFind institution record for MidFirst Bank, main office, checked 2026-10-28
Owned by
MidFirst BankSource: Midland Mortgage About Us page, checked 2026-10-28
Owned by
Midland Financial Co., parent company of MidFirst BankSource: HUD OIG audit report 2025-KC-1001, background, checked 2026-10-28

Operator. Midland Mortgage, a division of MidFirst Bank, Oklahoma City. The mymidlandmortgage.com website carries the notice "Midland Mortgage, a division of MidFirst Bank."

Regulation. MidFirst Bank is listed by the FDIC as an active federal savings association (certificate 4063) regulated by the OCC; loan servicing is subject to the CFPB's Regulation X (RESPA) and Regulation Z.

Official channels. Account sign-in, payments and forms: mymidlandmortgage.com. The general MidFirst Bank site, midfirst.com, directs Midland customers to the Midland Mortgage Delinquency Assistance Center and (800) 552-3000.

Checking a call or letter. Midland's fraud warning lists these as warning signs: an upfront fee for help, a request to send payments to someone other than Midland or by apps such as Cash App, PayPal, Venmo or Zelle, advice to stop paying or stop talking to Midland, and requests to change the mailing address or phone number on your account. Midland says to call only the number on your statement or its website.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBComplaints in the last 3 years
19 reviews · 110 complaints · BBB business grade A+ · average customer rating 1.11 / 5
CFPBAll complaints filed under MidFirst Bank, all products, bank-wide
2,170 complaints
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 103 historical complaints about Midland Mortgage, published between 2003 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

Show 15 more on this page
EDITORIAL

Complaint Themes

Insurance claim checks held after property damagePayments not credited and late feesPayment increases after a loan was sold to MidlandForeclosure and loan modification disputesCustomer service delays

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Had an experience with Midland Mortgage? Tell other people what happened.

Submit a Complaint
EDITORIAL

Complaint record: BBB, CFPB database and posts on this site

Better Business Bureau. BBB lists the business as "Midland Mortgage, a Division of MidFirst Bank" in Oklahoma City and shows it as a BBB Accredited Business since February 1, 1971. Its profile shows 110 complaints in the last 3 years, 36 of them in the last 12 months, and an average of 1.11 out of 5 stars from 19 customer reviews. BBB counts are its own and cover only complaints filed with BBB.

CFPB Consumer Complaint Database. The database lists 2,170 complaints under the company name MidFirst Bank, received from March 2016 on. They cover the whole bank, not only Midland Mortgage: 1,430 are filed under Mortgage (909 FHA, 266 conventional home mortgage, 157 VA), and the rest concern checking and savings accounts, credit reporting, debt collection and other products. The most frequent issues recorded are "Struggling to pay mortgage" (573), "Trouble during payment process" (528) and "Incorrect information on your report" (278). The database records MidFirst's responses as: closed with explanation, 1,703; closed with non-monetary relief, 327; closed with monetary relief, 134; in progress, 5; closed, 1. It shows 2,169 of the 2,170 as timely. Complaints are consumers' accounts submitted to the CFPB and are not verified findings.

Posts on this site. 103 published complaint reports are linked to this profile. They were written between 2003 and 2013. Among other subjects, they describe insurance claim checks held by the servicer after hurricane, fire or storm damage, payments that borrowers say were not credited and late fees, payment increases after a loan was sold to Midland, and foreclosure and loan modification disputes. These are individual accounts. The BBB, CFPB and site figures come from separate sources that overlap in unknown ways, so they are not added together.

EDITORIAL

HUD Inspector General audit of MidFirst's 2022 FHA foreclosures

What the audit examined. On January 28, 2025 the Office of Inspector General of the U.S. Department of Housing and Urban Development published audit report 2025-KC-1001, "MidFirst Bank Misapplied FHA's Foreclosure Requirements." It reviewed whether MidFirst Bank completed required loss mitigation before starting or continuing foreclosure on FHA-insured loans on which foreclosure began in 2022. MidFirst told the auditors that its mortgage servicing business is conducted primarily through its Midland Mortgage division.

What it found. From 7,363 FHA-insured loans with foreclosures started in 2022 (about $890 million), auditors drew a statistical sample of 88 loans. MidFirst had not followed FHA requirements on 24 of them. From that sample the report estimates, as a lower-bound statistical projection, that at least 14.1 percent of the group, or at least 1,038 loans with at least $185.9 million in unpaid balances, had the same kind of deficiency; its summary describes this as more than 14 percent of MidFirst's 2022 FHA foreclosures. Examples included filing the first foreclosure action while a loss mitigation request was still under review or documents were still due. The report says that in most sampled cases the borrowers ultimately received loss mitigation and kept their homes, and that borrowers bore avoidable foreclosure fees; it identifies one sampled borrower who lost her home in a foreclosure sale. HUD paid no claims on the deficient loans in the sample.

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MidFirst's position. In an October 17, 2024 response included in the report, MidFirst said it respectfully disagreed with the auditors' reading of FHA's foreclosure-initiation requirements and that its own reading was consistent with Regulation X, but that it had nonetheless revised its practices to align with the auditors' interpretation. It said the audit itself described how MidFirst provided the necessary loss mitigation assistance to the borrowers reviewed, and that the financial loss described in the draft report was hypothetical and was not realized on the files reviewed. It also stated that it has held an "A" grade, Tier 1, in HUD's servicer ranking system since that system began in 2016. MidFirst said it had already waived or refunded the related fees for the 24 sampled borrowers, that no FHA claims were filed on those loans, and that for the manual-processing errors it had found itself before the audit, it had added controls and remediated affected borrowers or HUD as appropriate.

HUD OIG's reply. The Inspector General added a sentence explaining that MidFirst's policies were designed around the foreclosure protections in Regulation X, but declined to describe the dollar amount as hypothetical, saying the report already presents it as at risk only if the foreclosures had been completed. It acknowledged MidFirst's efforts to address the recommendations and said it would work with MidFirst and HUD on closing them.

Recommendations and their status. The three recommendations are addressed to HUD's Deputy Assistant Secretary for Single Family Housing: have MidFirst remedy the 24 sampled loans or take administrative action, review MidFirst's resolution of manual-process issues, and require updated hold procedures. HUD OIG's recommendations dashboard lists all three as closed, none open: the third on June 18, 2026 and the first two on August 18, 2026. The report is an audit, not a court judgment or penalty order.

EDITORIAL

Court record: Casey v. Citibank flood insurance class action

The case. Casey v. Citibank, N.A., et al., No. 5:12-cv-820 in the U.S. District Court for the Northern District of New York, was filed May 17, 2012 as a class action by borrowers Gordon Casey and Duane Skinner. They alleged that the defendants forced them to buy and keep flood insurance not contemplated in their mortgage agreements and in greater amounts than federal law requires, and that the defendants profited from commissions or kickbacks on that insurance. Defendants included MidFirst Bank, N.A., doing business as Midland Mortgage, and its affiliate FirstInsure, Inc. These are the plaintiffs' allegations; the settlement is not an adjudication of them.

Rulings and settlement. On January 2, 2013 the court denied the motions to dismiss filed by MidFirst and FirstInsure and by the Citi defendants, holding that the complaint stated plausible claims, including breach of contract, conversion and breach of the implied covenant of good faith and fair dealing. A ruling of that kind takes the allegations as true and does not decide who is right.

Two separate settlements. The Citi defendants, together with the Assurant insurance companies named in a related case consolidated with this one (Coonan v. Citibank), settled in their own class settlement; the court gave it final approval on August 21, 2014 and dismissed the claims against them with prejudice. The MidFirst defendants settled separately. On May 9, 2014 the court preliminarily approved the MidFirst settlement, which it described as including monetary relief, prospective relief and a release of claims, and certified, for settlement only, a class of persons with a mortgage loan owned or serviced by Midland who were sent a flood insurance cycle letter by Midland or were charged for lender-placed flood insurance by Midland on or after May 17, 2006 and before May 9, 2014. After a final approval hearing on September 26, 2014, the court's order of October 1, 2014 approved $230,000 in attorneys' fees and expenses and a $5,000 service award to Gordon Casey, noting that the MidFirst defendants did not oppose the request and that no class member objected to it. The judgment entered October 2, 2014 approved the settlement, required the MidFirst defendants to make the payments and take the measures set out in the settlement agreement once it became final, and dismissed the case against them with prejudice.

PUBLIC RECORD

Court & Public Records

Casey v. Citibank, N.A., et al.

Settled

U.S. District Court, N.D. New YorkDocket 5:12-cv-00820Source ↗

Settled

Class action over force-placed flood insurance on mortgage loans, filed May 17, 2012 by borrowers Gordon Casey and Duane Skinner against Citibank entities, "MidFirst Bank, N.A., doing business as Midland Mortgage" and its affiliate FirstInsure, Inc. On January 2, 2013 the court denied the motions to dismiss filed by MidFirst and FirstInsure and by Citibank and CitiMortgage, so the claims could go forward; that ruling took the allegations as true and was not a finding of liability. The Citi defendants and the Assurant insurers of a related consolidated case settled separately; that settlement received final approval on August 21, 2014. The MidFirst defendants settled on their own. On May 9, 2014 the court preliminarily approved that settlement, which it described as including monetary relief, prospective relief and a release of claims, and certified, for settlement only, a class of persons with a mortgage loan owned or serviced by Midland who were sent a flood insurance cycle letter by Midland or were charged for lender-placed flood insurance by Midland on or after May 17, 2006 and before May 9, 2014. After a final approval hearing on September 26, 2014, the court's order of October 1, 2014 approved $230,000 in attorneys' fees and expenses and a $5,000 service award to Gordon Casey, noting that the MidFirst defendants did not oppose the request and that no class member objected. The judgment of October 2, 2014 approved the settlement, required the MidFirst defendants to make the payments and take the measures set out in the settlement agreement, and dismissed the case against them with prejudice.

EDITORIAL

Who Midland Mortgage is: the servicing division of MidFirst Bank

What Midland does. Midland Mortgage says it is a division of MidFirst Bank that specializes in acquiring loans from lenders and working with homeowners on the day-to-day aspects of the loan: statements or coupons, receiving payments, managing escrow accounts and providing mortgage assistance. It describes itself as a servicer for several hundred thousand homeowners with FHA, VA and conventional loans. A borrower usually meets Midland after the original lender sells the loan or its servicing, so the name on the first mortgage and the name on the monthly statement can differ.

MidFirst Bank. MidFirst Bank is based in Oklahoma City and is, according to a HUD Inspector General report, a federally chartered savings association and a wholly owned subsidiary of Midland Financial Co. The FDIC lists it as an active, FDIC-insured institution (certificate 4063) established in 1911, with its main office at 501 NW Grand Blvd in Oklahoma City and the OCC as its primary federal regulator. Midland Mortgage's site says MidFirst has been in the mortgage banking industry since 1950. The HUD report describes MidFirst as the largest privately owned bank in the United States as of December 31, 2023, with $36.7 billion in assets, and counted 213,824 FHA loans in its servicing portfolio in 2022. In its response to that report, MidFirst said it became an FHA-approved lender in 1982 and that its servicing business, run mainly through Midland Mortgage, focuses on FHA loans.

Court captions. In the federal case Casey v. Citibank, the court called the defendant "MidFirst Bank, N.A., doing business as Midland Mortgage."

Other "Midland" companies. Midland Credit Management, a subsidiary of Encore Capital Group, services past-due consumer accounts that lenders have charged off, and Midland Funding LLC owns past-due accounts that Midland Credit Management services; MCM's website lists both in Encore's family of companies. Midland Mortgage, by contrast, is a division of MidFirst Bank, which a HUD Inspector General report describes as wholly owned by Midland Financial Co. A letter from Midland Credit Management or Midland Funding is not from your mortgage servicer.

VERIFIED

Company Relationships

  • Owned byMidFirst Bank
  • Owned byMidland Financial Co., parent company of MidFirst Bank
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

EDITORIAL

Frequently Asked Questions

What is the Midland Mortgage customer service phone number?

Midland Mortgage Customer Service is (800) 654-4566, weekdays 8 a.m. to 7 p.m. and Saturdays 9 a.m. to 1 p.m. Central time; TTY users call (800) 946-7481. Mortgage Assistance is (800) 552-3000 and Property Insurance is (866) 439-2712, weekdays 8 a.m. to 5 p.m. Central time.

Where do I mail a Midland Mortgage payment?

Mail regular payments to Midland Mortgage, Attn: Payment Processing, P.O. Box 268888, Oklahoma City, OK 73126. Overnight payments go to Attn: Payment Processing, 999 NW Grand Blvd, Suite 100, Oklahoma City, OK 73118. Auto Pay, one-time online payments and payments by phone at (800) 654-4566 are also offered.

Who owns Midland Mortgage?

Midland Mortgage describes itself as a division of MidFirst Bank, a federally chartered savings association based in Oklahoma City, and it services loans that the bank has acquired from other lenders. A HUD Inspector General report describes MidFirst Bank as a wholly owned subsidiary of Midland Financial Co. Midland Credit Management and Midland Funding, whose names are similar, are listed on Midland Credit Management's website as part of Encore Capital Group's family of companies.

How do I send Midland Mortgage a notice of error?

Write to Midland Mortgage, a Division of MidFirst Bank, P.O. Box 268959, Oklahoma City, OK 73126-8959, with your name, property address, loan number and a description of the error. Midland's procedures say it acknowledges the notice within 5 days and corrects the error or explains its investigation within 30 days, excluding weekends and legal holidays, with a possible 15-day extension.

How do I get a payoff statement from Midland Mortgage?

Request it in writing. Regulation Z requires a servicer to send an accurate payoff statement within a reasonable time and no more than seven business days after a written request, with longer time allowed for loans in bankruptcy or foreclosure and after natural disasters. Midland lists (405) 767-5599 as its payoff statement fax.

What do I do when Midland Mortgage holds my insurance claim check?

Midland refers borrowers with storm, fire or other property damage to its property claim center at propertyclaimcenter.com/Midland or (800) 480-1305, weekdays 8 a.m. to 5 p.m. Central time, for instructions and forms. If the funds are not released, send a written notice of error to the designated address and keep proof of delivery.

What help does Midland Mortgage offer if I cannot pay my mortgage?

Midland lists partial claim, repayment, loan modification and unemployment plans, short sale and deed-in-lieu options, and a three-month disaster forbearance plan for qualifying homeowners. Eligibility depends on the loan type, how far behind the loan is and the borrower's ability to pay in the future. During the disaster plan interest still accrues, and the skipped payments are due in a lump sum at the end unless you qualify for a permanent option. Call (800) 552-3000, or contact a HUD-approved housing counselor at (800) 569-4287.

Where can I file a complaint about Midland Mortgage?

Start with a written notice of error to Midland's designated address, P.O. Box 268959, Oklahoma City, OK 73126-8959, then file with the CFPB at consumerfinance.gov/complaint or (855) 411-2372. MidFirst Bank is a federal savings association, so the OCC's Customer Assistance Group at (800) 613-6743 or HelpWithMyBank.gov also takes complaints. Your state attorney general and the BBB, which lists Midland Mortgage in Oklahoma City, are other routes.

Is Midland Mortgage the same company as Midland Credit Management?

They are different companies with different owners. Midland Credit Management is a subsidiary of Encore Capital Group that services past-due consumer accounts that lenders have charged off; Midland Mortgage is a division of MidFirst Bank that services home loans. A collection letter from Midland Credit Management does not come from your mortgage servicer.