Onity Mortgage Reviews

The worst company ever!!!! They charged me $1,447.92 because they did not receive my payment. I understand a late fee but that amount, is a shame!!! It is unacceptable!!! I spoke to the representative and my portfolio manager, and they both told me there is nothing to do. The portfolio manager said, "We called you guys letting you now about the payments to do." I said yes but no one never told me about that high penalty and he said quote: "that information is irrelevant." This is a shame. Personally, this is going to be the first and last time I use this company. Never again. I am very disappointed!!! It is a shame!!!

Charging $3000 in fees 3 years after a potential foreclosure where all fees and payments were PAID IN FULL. What a shocking bill to receive in 2026 when these items were PAID IN FULL in 2023. They said they added it in 2023, but I got the bill in 2026!!! Beware! They're coming after me and my social security income. If anyone is interested in a civil lawsuit, please contact me at **.

My mortgage was previously PHH. A FEW WEEKS ago I noticed my mortgage company name change to Onity Mortgage. So far I had poor experience with this company. Customer service is the worst experience ever the people were so rude and ignorant. I called two different times with the same question and I got two different answers. If I could give them a negative star rating, I would.

The worst mortgage company I have ever had, and I'm over 60 years old. Problem #1, three times a call from that mortgage company was scheduled with me and two others - never came those three times. Problem #2, the menu on the phone and the AI chat on their website are both complete crap. Problem #3, they sent a payoff amount on one day, good through our closing date. After closing, and paying the payoff in full, they claimed I owed a few more thousand because they allegedly paid taxes the day after the payoff letter was sent. And, by the way, someone tried to call me twice without success. Yeah, right. They never contacted me by my email nor posted anything on my Onity webpage regarding any immediate or important issues. DO NOT DO BUSINESS WITH THIS COMPANY.

If I could give negative stars, I would. Had my mortgage with Summit for 5+ years. There were NO problems. Summit sold to Onity. First payment through my bank and they “don’t process for 4 business days”; “7-10 business days”; then “it’s your bank”. They are TRYING to stall processing of my payment to, what charge me late fees, discredit my loan?!? I have paid 2x now-once through my bank, once on their portal and NEITHER have been processed yet my bank shows receipt out on the 1st and I have their portal receipt for 05/07/2026. I think all customer service reps are bots. They are definitely a call center with ZERO mortgage experience. I think they are doing scammy things. I don’t want to refi because I have a GREAT low interest rate! I’m held captive!!

They are scammers. They took $1040 to put towards my escrow account and never applied it. The overseas representative was extremely rude and told me to contact my attorney and then hung up on me.

By far the absolute worst, most unethical corporate group I've ever dealt with. The continual omission of the full picture from their representatives, their unwillingness to help until I filed a complaint with state and federal regulatory bodies, and intentional dragging of their feet in every interaction - I couldn't begin to imagine anyone working here can sleep well at night. This is a tragedy that this kind of institution can exist in the 21st century, surviving off of extractive, zero-sum tactics vs. actually creating value via a better experience.

My mortgage was sold to PHH within the first couple months of buying my house. I immediately started having issues with them processing payments on time, adding late fees while on automatic withdrawal. I set up a separate bank account specifically for my house payment. I would transfer $250 to this account every week. My mortgage payment was the only thing coming out of this account. Everything was going smooth or so I thought. After taking the first 3 or 4 (January- March) months' worth of payments from this account without incident.

I called and asked for a hard copy of my interest paid for 2025 for my taxes, as I do not have a home computer or a printer. The representative on the phone would not request it, just kept saying go on the website. I am requesting a hard copy to be mailed to my address. Please.

PHH Mortgage has been extremely difficult to communicate with. Every week I call two or three times, and every single time I receive different and often incorrect information from their representatives. It feels like no one is on the same page, and the lack of knowledge is alarming. Their communication is so unclear and inconsistent that I genuinely feel stressed and overwhelmed every time I have to speak with them. I’m a single mom with young children, and their mistakes and misinformation make me constantly worry about my home and my stability. It’s very concerning that a mortgage company takes serious issues so lightly and continues giving customers the wrong information. No one should have to fight this hard just to get accurate answers about their own mortgage. The level of confusion and disorganization at PHH Mortgage is unacceptable.