Onity Mortgage Reviews

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.

PHH lied about a payment made for March 1st payment. The PHH representative said, they never received it, but it showed received on Feb 22. I track my payments. Now for April payment, they are late sending out the statements with the payment stub. They conveniently state that you can go to their website to get the statement. This comes just before their supposedly name change to Onity, which is supposed to mean “where on it.” :) Well the payment was applied on March 2 after I was told they hadn’t received it. See transscript below say to go to website to make payment.

We must remember that this company was Ocwen Mortgage before they changed their name after fraudulently foreclosing on many families for reasons that Ocwen set their account up to show flaws in their customer accounts. Even now, PHH Mortgage holds my payments for no reason other than I sent it early.

I would give this a negative star review if I could. They have absolutely messed up our February payment. Their system is archaic and doesn’t show payments made. We have been on the phone with them probably 5 times this month trying to get it fixed. Payment made on 1/30 and still hasn’t posted!!

They are nearly impossible to get ahold of. I’ve been trying to call all day because I’m having issues with their website. They just bought out my mortgage and I wish they didn’t. Still waiting for an email back in hopes someone will just CALL ME to answer my questions so I can be on my way. Ridiculous.