Onity Mortgage Reviews

Absolutely the worst company I’ve ever dealt with and has some slimy business practices. Good luck getting an actual person to answer their phone. I never have an escrow account. I’m perfectly capable of managing payment of insurance and taxes myself. I sent them a coverage page for my insurance, and with no authorization, they signed me up for an escrow account and upped my payment.

Absolutely god awful customer service. Attempting to pay off our loan, and the plainly offshored phone support provided the wrong instructions, insisted the wire was being processed for 7 days before finally escalating, who then told me the wire had not been processed and returned, AFTER the payoff quote end date.

My loan was transferred to Onity earlier this year. They have the most terrible communication. They don't reply to online messages or call back. The hold time is way too long. But, when you eventually do get hold of a representative, they are friendly and courteous. I had requested a new escrow analysis due to a significant decrease in my homeowners insurance premium. I was advised it would be done within 2 weeks. It's been almost a month and it has yet to be done.

We sold our house and they told us we owed them $487. So we wire them the money then we are going to buy our new house and they are saying we still owe them $2,100 for an escrow shortage but this is all after we have already sold and signed all paper work. Currently sitting on the phone with them for an hour to figure out what’s going on. Awful awful experience.

I have had mortgages for three decades and never had any problems. This company is a mess!!! My mortgage check NEVER cleared that I sent 2 weeks ago. When I called with concern, they are saying I've been credited a different amount (which also magically never cleared my checking account). They can't provide check numbers or basic information. It's very stressful and unnecessary. It's a basic payment. We are easy customers that pay on time, in full, every single month. It's not difficult!!!! I STILL don't know where we stand. Never had a problem with PNC. Onity sucks and borderline seems fraudulent.

PHH Mortgage changed their name to Onity this year. Our mortgage was down to its last payment and our account has always been on auto-pay. A few days after our mortgage was supposed to be paid off, I logged on to find that the auto-pay had been turned off, a payment couldn't be made online and our payment is now late, which we NEVER had happen before.

If I could give this company zero I would. I got my loan in March. It was sold immediately to Franny Maye, and then to PHH and then to Onity. I never received any documentation, a letter and email, etc. to this day. I was following up with them because they came up on my credit report as my mortgage lender, they could not find my mortgage for months. They suggested that I email their research team, which I did no response. I was calling a couple of times a month, still nothing until three days ago when they were able to find my loan, they then expected me to do a lump sum payment for the outstanding mortgage.

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.