Onity Mortgage Reviews

Horrible customer service. Completely inaccurate Escrow analysis. I offered to bring my escrow into balance and included the county's tax letter regarding my property taxes. I received a letter letting me know Onity is now collecting TWO years of property taxes and insurance to satisfy escrow accounts. They refuse to recalculate until they have double what is due!!!! BEWARE! If your mortgage is purchased by this company find a way out ASAP!!! Their escrow calculations are WAY OFF!! THE CUSTOMER SERVICE IS OUTSOURCED. CLEARLY THEY DO NOT SUPPORT AMERICA OR USA RESIDENTS.

Do not do business with Onity mortgage! They are doing the same accelerated notice of default that they just had to settle a lawsuit under the name PHH mortgage. See Williams vs PHH mortgage. I just tried to make a payment to catch my loan up and they refused it three times. I am only leaving one star because it will not let me submit without selecting that.

I have never experienced the type of customer care that this bank does not give. I am on every two week withdrawals auto pay from my bank account and every month I get a letter from them actually two letters that say that my payments overdue and it may result in extra fees and interest every single month written in Red. Every single month I call on a mortgage first of all the call goes overseas to people with a language barrier and that just keeps saying I’m sorry ma’am I’m sorry ma’am I’m sorry ma’am. I had to ask no less than six times to be transferred to someone in the US. I have talked to people in the US before about the same issue which never gets resolved. I hate this mortgage company. I would go with any mortgage company before this.

If I could it would be zero stars. This is the worse mortgage company I have experienced. They can’t even get your statement sent out on time. They took over servicing my mortgage 4 months ago and not one statement has made it before it was due. Majority of the people there just want to blame it on the postal service taking 2 weeks to deliver, but it’s funny that they have sent other mail that only took 5 days to arrive. It’s like they want you to be late.

I received an email, a "Homeowner Snapshot," and it was addressed to a name of a person who does not exist, or at least no one with that name has access to this email account. Additionally, I had never used Onity's services before, so I was confused when I received the email. I checked with the "forgot password" function on their login page, and sure enough, no follow-up email appeared in my inbox regarding that. However, when I called to inquire and have my email purged from their databases (because I have never used their services) they hung up on me without any warning of the fact because (presumably, remember, I got no warning) I could not give them a "loan number" or "account number" or whatever identification numbers (remember, I have never used their services! I don't know what they're talking about!) relating to the email address. How rude.

They do not offer bi-monthly payments. Seem to be confused by it. I do this through a 3rd party, and have to call every time because they do not process the payment properly. Customer service is horrible. Simple questions are not simple to them. Also, called to make a payment (since they changed my amount) and they said to call back next week, making it late, because they couldn't process it yet.

I am filing this complaint regarding Onity Mortgage's handling of my escrow analysis and its refusal to answer questions about the projected escrow disbursement dates used to calculate a $1,468.13 escrow shortage. My July 1, 2026, escrow analysis projects these disbursements: December 2026 property tax ($2,789.76), April 2027 property tax ($2,789.76), and April 2027 hazard insurance ($1,818.30). Based on this schedule, Onity projects my escrow balance will reach negative $235.16 in April 2027, creating a $1,468.13 shortage and increasing my monthly payment.

They bought my mortgage last summer. In the process, someone dropped the ball. Nobody wanted to actually do their job or take any accountability. They kept blowing me off until their error caused me to lose the home I was trying to purchase. Typically, companies don't spend the money to rebrand unless they are hiding from something. I couldn't imagine what it could be.

Was notified I became 30 days in arrears on my ONITY account. I am a previous PHH mortgage holder of approximately 10 years. Non payment was the result of the PHH/ONITY switch. Tried resolving this but ONITY has their customer service representatives outsourced to India. These individuals will make any effort to treat customers with any consideration they go by a scripted process which they will not deviate from nor make any effort to try to address my request. I would, and will suggest to anyone considering a mortgage with PHH/ONITY to find another company! Should mortgage rates fall I plan to have another mortgage company or bank manage my account.

Holding my insurance check hostage for a month stopping me from finishing work on a fire I had on the property. I call every day, never get an answer on transfer, and ultimately hung up on.