PHH Mortgage Corporation

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 71 historical complaints about PHH Mortgage Corporation, published between 2003 and 2012. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• ERA Mortgage They Lied and stared foreclosure and refused to accept paymentsPublished Dec 3, 2012 · Historical consumer allegation
• Lien releasePublished Aug 1, 2012 · Historical consumer allegation
• PHH Mortgage Missing PaperworkPublished Jul 28, 2012 · Historical consumer allegation
• Cendant, mortgage serevices, service center trying more than once to forclouse on my home, without cause, refusing paymentsPublished Jun 29, 2012 · Historical consumer allegation
• Mortgagequestions.com Lost my home and business in the "Texas Fire". They forced me into bankruptcy and almost foreclosure when they already had all the money from the Insurance Loss.internetPublished Apr 17, 2012 · Historical consumer allegation
• Insta mortgage pph mortgage "rip offs"Published Mar 4, 2012 · Historical consumer allegation
• Worst website evePublished Jan 19, 2012 · Historical consumer allegation
• Can't access your website - www.mortgagequestions.comPublished Dec 9, 2011 · Historical consumer allegation
• Mislead and Lie to usand gave us the run aroundPublished May 19, 2011 · Historical consumer allegation
• Century 21 mortgage rip-off, liars, shady, rudePublished May 2, 2011 · Historical consumer allegation
• Refused to provide amount due to prevent foreclosurePublished Apr 18, 2011 · Historical consumer allegation
• Loan ModificationPublished Apr 12, 2011 · Historical consumer allegation
• Tried to CancelPublished Mar 14, 2011 · Historical consumer allegation
• Forgot to pay taxes raised payment 400.00 a month robbing me blind refuse to answer even my attorneysPublished Mar 14, 2011 · Historical consumer allegation
• Do not refinance with them!Published Feb 16, 2011 · Historical consumer allegation
• PHH, Mortgage Family, Mortgage Service Center Misapplies payments continually and sends my home into wrongful foreclosure and ruins my credit. Worse is I can prove they were aware of their error BEFORE they started foreclosurePublished Feb 2, 2011 · Historical consumer allegation
• The Mortgage Rip Off Company!Published Jan 17, 2011 · Historical consumer allegation
• Loan modificationPublished Dec 31, 2010 · Historical consumer allegation
• Homeowner Assistance/Modification BSPublished Nov 9, 2010 · Historical consumer allegation
• Phh Mortgage Services from Hamp modification to getting our house stolen right out from under us!Published Oct 27, 2010 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

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

Contacts, Payment & Login

• Onity Mortgage (formerly PHH Mortgage) website: https://www.onitymortgage.com/
• General servicing inquiries and assistance (Mon-Fri 8 am-9 pm ET, Sat 8 am-5 pm ET): 1-800-449-8767 6 complaints mention this number
• Website support: 1-833-862-0732
• Insurance Department (flood/hazard insurance, loss draft questions): 1-888-882-1855
• Buy or refinance (loan origination): 1-877-319-0577
• Number shown on the State Licensing page: 800-446-0964 1 complaint mentions this number
• BBB-listed number: 866-714-6737
• Servicing account login / registration: https://account.onitymortgage.com/onity/#/login
• Ways to pay: https://www.onitymortgage.com/support/ways-to-pay
• Customer care email named in the FAQ for escrow set-up requests and delinquent tax bills: [email protected]

Locations

Loan serviced by PHH Mortgage (now Onity Mortgage)? What to check and where to send it

PHH Mortgage Corporation is now Onity Mortgage Corporation. Onity Group's Form 10-Q for the quarter ended June 30, 2026 (filed August 6, 2026) states: "On March 23, 2026, PHH Mortgage Corporation changed its name to Onity Mortgage Corporation." When we visited phhmortgage.com on September 30, 2026 it opened onitymortgage.com, whose footer reads "Onity Mortgage Corporation, f/k/a PHH Mortgage Corporation," NMLS ID #2726. Older statements, letters and court filings may still say PHH.

The company's Contact Us page (checked September 30, 2026) gives these routes:

• General servicing inquiries: 1-800-449-8767, Monday-Friday 8 am-9 pm ET and Saturday 8 am-5 pm ET. Website support: 1-833-862-0732. The page says logging in to your account to send a secure message or chat is the fastest route.
• Regular monthly payments by mail: Onity Mortgage, P.O. Box 660093, Dallas, TX 75266-0093. General mail: P.O. Box 24736, West Palm Beach, FL 33416-4736.
• Stopping an automatic draft (Autopay terms): the company's Autopay terms say to call 1-877-744-2506 or write P.O. Box 24738, West Palm Beach, FL 33416-4738 so the request is received "at least three (3) business days before the draft date of the next scheduled payment." This concerns the direct-debit authorization only.
• Overnight payment: the Account FAQs say you can overnight a payment to "Payment Processing, 3000 Kellway Dr. Suite 120, Carrolton, TX 75006" (spelling as on the company's page); this is listed separately from the regular-payment P.O. box above.
• Requests for information and notices of error, including qualified written requests: Onity Mortgage, PO Box 24695, West Palm Beach, FL 33416. The company asks you to "include your name, your mortgage account number, property address and a statement of either the information you are requesting or the error you believe has occurred."
• Complaints: call Customer Service first; if you are "unsatisfied with your response," write to the same PO Box 24695 address. The same page lists the New York State Department of Financial Services (1-800-342-3736), the Texas Department of Savings and Mortgage Lending (1-877-276-5550) and the Minnesota Department of Commerce for owners of property in those states.

The CFPB's consumer page on disputing a mortgage error says the servicer "must send you a letter informing you that it received your letter within five days (not including weekends and legal public holidays)" and "generally ... must respond with an answer ... within 30 days (not including weekends and legal public holidays)," with a possible extra 15 days if it tells you in writing. It advises including your name, home address and account number, not writing on the payment coupon, using the servicer's special address if it has one, and continuing to make scheduled payments while you wait. You can also submit a complaint to the CFPB at consumerfinance.gov/complaint or (855) 411-CFPB (2372).

Trouble paying or facing foreclosure. The company lists repayment plans, forbearance, loan modification, short sale or pre-foreclosure sale, deed in lieu of foreclosure and partial claim as assistance options. It says you can apply by logging in (Payments, then Payment Assistance, then Request Assistance), by phone at 1-800-449-8767, or with its paper Mortgage Assistance Application, and that it "does not charge up-front fees for a loan modification." Under the federal servicing rule shown on consumerfinance.gov (12 CFR 1024.41), a servicer generally may not make the first notice or filing to start foreclosure unless the loan is more than 120 days delinquent (exceptions exist), and if a complete application arrives more than 37 days before a sale after foreclosure has started, the servicer may not move for judgment or order of sale or hold the sale unless an exception in the rule applies.

Payment timing, in the company's words (Account FAQs). The FAQs state in one place that payments are typically due on the first day of the month and that "you may have a grace period before a late charge is assessed," adding: "If your payment is not received by the last business day of the month, you may be reported to the credit bureaus." Another FAQ answer says: "Refer to your monthly statement to determine your grace period." If you dispute how a payment was applied, keep proof of the date and method of payment.

Escrow, payoff and fees, in the company's words (Account FAQs). An escrow analysis "is typically performed annually." If the account is current and not in bankruptcy and the surplus is $49.00 or more, the company says it refunds the surplus within 30 days of completing the analysis; a smaller surplus lowers the monthly escrow payment. A payoff quote is sent "within four business days," with "a payoff quote fee of up to $30" on residential loans "as permitted by state law," and loan documents follow "within 90 days after payoff." A written payoff request can be sent "by email to [email protected] or by fax to 1-856-917-8283," including the date you want the quote to be good through. On payment fees: "There is no fee to make a mortgage payment online or in our automated phone system. When paying by phone with an agent, you may be charged a fee ... disclosed to you for your acceptance before your transaction is completed." See the regulator section for the HUD settlement about pay-to-pay fees on FHA loans.

Servicing transfers in 2026. Onity's 10-Q says Rithm gave notice that it would not renew its subservicing agreements with Onity, that transfers to Rithm's own servicing platform began March 1, 2026 (including $21.2 billion of subservicing balances in the second quarter and a further $3.2 billion on August 3, 2026), and that the sale of Onity's reverse mortgage servicing portfolio (about 20,000 HECM loans) to Finance of America Reverse LLC closed on June 30, 2026 with a three-year subservicing arrangement. If you receive a transfer notice, it names the servicer to pay and contact.

The company's Account FAQs also warn about imposter calls from people "demanding payments in the form of a pre-paid debit/gift cards" and about "Foreclosure Rescue Companies" that take money for false promises; it says: "Only make payments to your mortgage loan service provider."

Regulator actions involving PHH Mortgage: CFPB, states, HUD, data notices

The items below name PHH Mortgage Corporation (now Onity Mortgage Corporation) or its affiliates. Each is described from the agency's or court's own document; none is a finding on any individual borrower's loan.

• CFPB administrative proceeding (No. 2014-CFPB-0002), dismissed June 7, 2018. On January 29, 2014 the CFPB filed a notice of charges against PHH Corporation, PHH Mortgage Corporation, PHH Home Loans LLC, Atrium Insurance Corporation and Atrium Reinsurance Corporation, alleging a mortgage insurance "kickback scheme" under the Real Estate Settlement Procedures Act (RESPA). On June 4, 2015 CFPB Director Cordray issued a decision and final order requiring PHH to disgorge $109 million (the reinsurance premiums received on or after July 21, 2008) and barring further violations of RESPA's kickback provision. The respondents challenged the order in the D.C. Circuit (PHH Corp. v. CFPB, 839 F.3d 1 (2016), reversed in part en banc, 881 F.3d 75 (2018)). A later CFPB order in the proceeding states that the en banc court "reversed some parts of the panel's decision" but "reinstated the portion that related to RESPA and its application to PHH and Atrium," so that "PHH did not violate RESPA if it charged no more than the reasonable market value for the reinsurance it required the mortgage insurers to purchase, even if the reinsurance was a quid pro quo for referrals." On June 5, 2018 the CFPB's enforcement counsel and the respondents jointly recommended dismissal, and on June 7, 2018 Acting Director Mulvaney ordered that "the Notice of Charges in this proceeding is dismissed and this matter is terminated." The CFPB lists the action's status as "Expired/Terminated/Dismissed."
• Multistate settlement (49 states, D.C. and state mortgage regulators), announced January 3, 2018. The attorneys general's consent judgment (State of Alabama et al. v. PHH Mortgage Corporation, D.D.C. No. 1:18-cv-00009) was filed January 3, 2018 and approved by the court on May 10, 2018. It covers servicing between January 1, 2009 and December 31, 2012 and sets a "Settlement Amount" of $45,279,725: $31,456,210 for payments to borrowers who were foreclosed on or referred to foreclosure in that period, $5,000,000 to the investigating attorneys general, and an $8,823,515 administrative penalty to the state mortgage regulators. The New York and Texas attorneys general's announcements say foreclosed borrowers qualify for a minimum $840 payment and borrowers referred to foreclosure who kept their homes for a minimum $285. PHH also agreed to servicing standards, audits and reporting to a committee of states; the judgment says the standards "remain in full force and effect for three years from the Implementation Date." The attorneys general's announcements say the settlement does not release conduct beginning in 2013. The judgment states that PHH "does not admit any allegations of wrongdoing or violations of applicable laws." The state regulators' separate Settlement Agreement and Consent Order (signed December 29, 2017) recites examination findings on document execution in foreclosures, servicing, foreclosure and loss-mitigation processes, internal controls, oversight of foreclosure counsel and document retention, and states that PHH "does not admit any wrongdoing, allegations or implications of fact."
• U.S. Department of Justice, False Claims Act settlement announced August 8, 2017. DOJ's press release says PHH Corp., PHH Mortgage Corp. and PHH Home Loans "have agreed to pay the United States $74,453,802 to resolve allegations that they violated the False Claims Act" in originating and underwriting FHA-insured, VA-guaranteed and Fannie Mae/Freddie Mac loans that did not meet applicable requirements: $65 million for the FHA allegations and $9.45 million for the VA and FHFA allegations. The release states that, as part of the settlement, PHH "admitted" specified facts about FHA loans certified between January 1, 2006 and December 31, 2011, and that "the claims asserted against PHH are allegations only, and there has been no determination of liability." Part of the allegations came from a whistleblower suit (United States ex rel. Bozzelli v. PHH Mortgage Corporation, No. 13-cv-3084, E.D.N.Y.).
• New York Department of Financial Services (DFS), November 2016. A consent order with PHH Mortgage Corporation and PHH Home Loans LLC requires a $28,000,000 penalty (paragraph 56) and an independent third-party auditor. DFS's announcement lists findings including that PHH Mortgage "lacked formal and comprehensive policies and processes for executing foreclosure-related documents," that it "did not adequately monitor the operations of outside vendors," and that in January 2016 PHH disclosed a coding error that had improperly assessed attorneys' fees of $1.2 million against New York borrowers, which PHH represented it had refunded. In a separate 2017 announcement DFS said it had fined PHH Mortgage Corp. $119,000 under New York's Vacant and Abandoned Property Law for failing to maintain a property in New Lebanon, N.Y.
• California Department of Financial Protection and Innovation (DFPI), October 2020. A Consent Order (signed October 7 and 12, 2020) resolved findings from a 2017 examination that PHH had overcharged borrowers per diem interest on California loans. PHH agreed to a $62,000 penalty, a self-audit of California loans from August 22, 2017 to August 21, 2018, and $150 per violation identified in the audit report.
• HUD settlement, January 13, 2025. HUD announced a settlement, "which did not constitute an admission of fault or liability by either party," over fees charged on FHA-insured loans when borrowers paid by phone with a representative, by automated phone system, or online without enrolling in paperless statements. HUD said the settlement provides restitution to about 51,500 borrowers for 490,000 transactions between May 2021 and February 2023, "when PHH ceased charging these fees," estimated at $3,465,000, plus a $245,000 administrative payment to HUD; affected borrowers receive an account credit or a check automatically.
• Supervision and open inquiries. Onity's annual report for 2025 says the CFPB "has resumed normal-course supervisory activities" following "the 2023 resolution, in our favor, of a lawsuit the CFPB filed in 2017." The company's 10-K for 2020 describes a CFPB lawsuit in federal court in Florida against Ocwen, Ocwen Mortgage Servicing, Inc. and Ocwen Loan Servicing, LLC; PHH is not named in that description, so we do not list it among the PHH actions. Onity's June 30, 2026 10-Q says it has received regulator requests about convenience fees, post-boarding verification of loan and payment terms, bankruptcy practices, COVID-19 forbearance, Homeowner Assistance Fund participation, and offshore employees' access to veteran borrower data, and that it is "currently engaged with several regulators related to borrower convenience fees." These are inquiries, not findings.
• Data-incident notices. PHH's Privacy Manager notified the Iowa Attorney General on September 25, 2023 that a vendor, Pension Benefit Information, LLC, had an incident involving its MOVEit file-transfer software on May 29-30, 2023 that exposed names, Social Security numbers, dates of birth and addresses; the notice says the impacted population "included 111,285 individuals." The Washington Attorney General's breach page lists 3,145 Washingtonians affected (report date 09/26/2023). A separate letter dated January 27, 2025, posted by Massachusetts, says a payment-reversal letter and returned check containing names, an account number, an address and checking and routing numbers was delivered to a former borrower in error on December 13, 2024; the company offered 12 months of Experian IdentityWorks.

Company background: Cendant Mortgage, PHH, Ocwen and Onity

Names. PHH Corporation's annual report for 2009 lists agreements with "Cendant Mortgage Corporation (renamed PHH Mortgage Corporation)," so consumer complaints from the early 2000s name Cendant Mortgage, PHH or both. As of March 23, 2026 the entity is Onity Mortgage Corporation (formerly PHH Mortgage Corporation); its website lists NMLS ID #2726, and its State Licensing page lists state licenses under the name "Onity Mortgage Corporation f/k/a PHH Mortgage Corporation." BBB lists its business start and incorporation date as November 16, 1977. California's 2020 consent order describes PHH as "a New Jersey corporation."

Ownership. Onity's 10-Q says the company is a wholly owned subsidiary of PHH Corporation, "an intermediate holding company and wholly-owned subsidiary of Onity" Group Inc., a Florida corporation headquartered in West Palm Beach. Onity Group was formerly Ocwen Financial Corporation (SEC EDGAR lists the former name through May 2024), and the 10-Q refers to "Onity's October 2018 acquisition of PHH Corporation." Complaints on this site labelled "Ocwen" or "Ocwen Loan Servicing" concern earlier Ocwen-named entities and are not included in this page's counts.

What it does. Onity describes itself as a non-bank mortgage servicer and originator; "across the forward and reverse portfolios," it says it serviced or subserviced 1.3 million loans with $341.4 billion of unpaid principal balance for more than 2,600 investors and 114 subservicing clients as of June 30, 2026 (a figure that includes loans it subservices for others). A servicer collects payments and handles escrow and loss-mitigation requests; Onity's own "mortgage transfer" FAQ says that when a loan moves to it, "we'll handle everything related to your account – from processing payments to answering your questions." Its consumer site also offers purchase and refinance loans, and its reverse-mortgage business (formerly Liberty Reverse Mortgage) was sold to Finance of America Reverse LLC on June 30, 2026, with Onity continuing as subservicer for three years, per its SEC filings.

Contact trail. Complaint posts on this site from 2003 to 2013 give Mount Laurel, New Jersey addresses (3000 Leadenhall Road and 4001 Leadenhall Road), the PHH Mortgage Services name and the MortgageQuestions.com website. Onity Mortgage's current footer gives 2000 Midlantic Drive, Suite 410-A, Mount Laurel, NJ 08054.

Complaint record: USAComplaints, CFPB, BBB, Trustpilot and ComplaintsBoard, reported separately

Each source below covers a different population, period and method. None of these figures is added to or averaged with another, and complaints are allegations unless a regulator or court says otherwise.

• USAComplaints: 71 approved complaint posts name PHH Mortgage (or its former name, Cendant Mortgage) as the subject, dated from 2003 to 2013 (4 in 2003, 3 in 2004, 2 in 2005, 4 in 2006, 3 in 2007, 7 in 2008, 16 in 2009, 15 in 2010, 10 in 2011 and 7 in 2012); a further 2013 post that names Fannie Mae as the offender and PHH in its text is linked as a secondary mention. Counting the posts whose text mentions each term: foreclosure, 30; loan modification, forbearance or similar loss-mitigation terms, 27; escrow, flood insurance, PMI or taxes, 22; refinance, pre-approval or rate-lock terms, 19; credit reporting, 14. These are consumers' own accounts, not independently verified.
• CFPB Consumer Complaint Database, checked September 30, 2026. The database lists no company under the names "PHH Mortgage Corporation," "Onity Mortgage Corporation" or "Onity Group Inc." It has two related listings, which we show separately. (1) "PHH Mortgage Services Corporation": 2,450 complaints received from December 8, 2011 to June 28, 2019, none in the last 12 months; 2,364 are mortgage complaints; top issues "Loan modification,collection,foreclosure" (776), "Loan servicing, payments, escrow account" (744), "Trouble during payment process" (304), "Struggling to pay mortgage" (199) and "Application, originator, mortgage broker" (130); top states California (299), Florida (211), New York (172), New Jersey (167), Pennsylvania (149); company responses: closed with explanation 1,999, closed with non-monetary relief 327, closed without relief 56, closed with monetary relief 33, closed 30. (2) "Ocwen Financial Corporation" (the former name of Onity Group Inc.): 38,029 complaints from December 1, 2011 to September 28, 2026, of which 1,623 were received in the last 12 months (1,459 mortgage; top issues "Struggling to pay mortgage" 656, "Trouble during payment process" 618, "Incorrect information on your report" 133; top states Texas 198, Florida 190, California 184); all-time responses include closed with explanation 34,992, closed with monetary relief 212, and 548 marked not timely. The database does not tell us which Onity brand (PHH, Ocwen-named earlier entities, or others) each complaint in the second listing concerns, so it is not counted as PHH's. The CFPB does not verify the facts in a complaint, and counts are not a sample of all customers.
• BBB: the profile "Onity Mortgage" (Mount Laurel, NJ; PHH Mortgage Corporation is listed as "formerly known as") shows a BBB Rating of A+ and "is NOT a BBB Accredited Business," with 642 total complaints in the last 3 years and 211 closed in the last 12 months, and an average of 4.37/5 from 961 customer reviews, as displayed on September 30, 2026. BBB lists the file as opened May 14, 1984 and the business as started and incorporated November 16, 1977.
• Trustpilot (profile for onitymortgage.com, a site serving both servicing and origination customers): 4.5 from 3,099 reviews, 1,256 of them in the last 12 months, as displayed on September 30, 2026; the profile is claimed, "invites their customers to review, whether positive or negative," and shows the company "replied to 100% of negative reviews." Trustpilot's star breakdown on the page is 5-star 84%, 4-star 5%, 3-star 2%, 2-star 1%, 1-star 8%.
• ComplaintsBoard: the "PHH Mortgage" page shows a 1.4 rating "from 0 reviews and 138 complaints" (page updated June 9, 2026) and offers a "Claim Your Business" option. ComplaintsBoard publishes user submissions and computes its own rating.

Class actions and other lawsuits naming PHH Mortgage

The cases below come from court dockets, court orders and settlement websites. Allegations are the plaintiffs'; PHH's positions are noted where the source states them.

• Munoz v. PHH Corp. (E.D. Cal. No. 1:08-cv-00759) - settled; final approval December 19, 2025. A RESPA class action over captive mortgage reinsurance, for loans with private mortgage insurance obtained from January 1, 2007 through December 31, 2009. Settlement website: defendants "have denied any wrongdoing. The Court hasn't decided who is right." Class members who filed a valid claim get $875 per loan; the claim deadline, August 11, 2026, has passed. The settlement website's FAQ page says payments "are being made to eligible Settlement Class Members who submitted valid Claim Forms"; administrator JND Legal Administration, 1-855-779-8982.
• Williams v. PHH Mortgage Corp. (W.D.N.C. No. 3:25-cv-00144) - settled; final approval June 22, 2026. A $1,500,000 settlement of claims that PHH's notices of default falsely threatened immediate acceleration and foreclosure, which plaintiffs allege PHH did not intend and legally could not do before a loan was 120 days delinquent; PHH "denies Plaintiffs' allegations." Borrowers who received a notice of default between December 18, 2022 and December 15, 2025 (and, for North Carolina, from January 14, 2021) are in the classes. The site says the Final Settlement Date was July 23, 2026 and payments are expected by October 6, 2026, by check without a claim form.
• Jones v. PHH Mortgage Corp. (D.N.J. No. 1:23-cv-01040) - pending. A putative class action over "pay-to-pay" fees of up to $19.50 for one-time electronic payments. In 2024 the court granted PHH's motion to dismiss in part and denied it in part. Onity's 10-Q filed August 6, 2026 says motions for summary judgment and related to class certification "remain pending"; the CourtListener docket, opened September 30, 2026, shows briefs filed September 3 (entry 174) and September 25, 2026 (entry 175), and we could not confirm whether class certification has been decided.
• Smith-Fowler v. Onity Mortgage Corp. (D.D.C.) is described in Onity's 10-Q as a putative class action over fees for optional payment methods, with a fully briefed motion to dismiss pending; we did not open that docket.
• Poff v. PHH Mortgage Corp. (S.D. Tex. No. 4:20-cv-04018) - settled; final judgment September 2023. Texas borrowers who paid a convenience fee to Ocwen or PHH between July 17, 2018 and October 17, 2022.
• Morris v. PHH Mortgage Corp. (S.D. Fla. No. 0:20-cv-60633) - settled; final approval June 15, 2023. Claims under the FDCPA, Florida statutes and contract law over convenience fees; settlement funds totalling $2,771,068.
• Mattia v. PHH Mortgage Corp. (E.D.N.Y. No. 2:26-cv-01584) - pending. Filed March 17, 2026. The docket entries available to us do not describe the claims and we could not retrieve the complaint, so this page does not characterize them.

Onity's 10-Q also says it is defending, in the ordinary course, wrongful foreclosure, payment misapplication, escrow and loan modification claims by individual borrowers, and notes that some RMBS trustees have sent notices alleging servicing failures; it says no trustee has sued Onity in response.

Is PHH Mortgage Corporation Legitimate?

PHH Mortgage Corporation, renamed Onity Mortgage Corporation on March 23, 2026 according to its parent's SEC filing, is an operating mortgage servicer and lender with NMLS ID #2726, a website (onitymortgage.com), published payment, error-notice and complaint addresses, and a BBB profile that lists an A+ rating without BBB accreditation. It is also the subject of the regulator and court records summarized above, including a $45,279,725 multistate consent judgment (entered May 10, 2018, without admission of wrongdoing), a $28 million New York DFS penalty (2016), a January 2025 HUD settlement over FHA payment fees, and class settlements with stated claim deadlines. A CFPB administrative case against PHH over mortgage reinsurance was dismissed on June 7, 2018. This page assigns the company no rating or verdict of its own; it reports those records so readers can weigh them and check their own loan documents.

Court & Public Records

Related Complaints

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

• Also named in this complaint: Illegal Foreclosure - Realestate

Company Relationships

• Owned by: PHH Corporation
• Owned by: Onity Group Inc.
• Formerly known as: Cendant Mortgage Corporation

Frequently Asked Questions