Onity’s former Ocwen name drew 1,522 mortgage complaints in a year
The CFPB recorded 1,522 complaints under Onity’s former Ocwen name in the latest year. PHH Mortgage is now Onity Mortgage, a servicing subsidiary of Onity Group. Its customer service number is 800-449-8767. Mail monthly payments to Onity Mortgage, P.O. Box 660093, Dallas, TX 75266-0093.
Next edition expected January 2027
Onity Mortgage phone and address for written requests
American Default is independent of PHH, Onity and the government.
Onity Mortgage servicing and assistance
800-449-8767Onity lists this for general servicing questions and assistance.
Listed on mortgagequestions.com · checked Oct 23, 2026
Requests for information and notices of error
Onity Mortgage
P.O. Box 24695
West Palm Beach, FL 33416
Onity designates this box for notices of error, information requests and qualified written requests. Onity lists other boxes for general mail and payments.
Listed on mortgagequestions.com · checked Oct 23, 2026
Onity’s assistance page says a borrower can request help after signing in or obtain an application through Customer Care. The online route requires the homeowner’s own account.
If a transfer notice says your loan moved to Newrez, use the new servicer’s details on that notice. Onity’s new-customer page names Newrez for a specific transfer; that notice covers the loans described there.
How the PHH, Ocwen and Onity names connect
The PHH corporate renaming took effect March 23, 2026. Its parent, Ocwen Financial Corporation, changed its name to Onity Group in June 2024 (Onity privacy notice). Ocwen Loan Servicing merged into PHH, making PHH its successor by merger.
A name change is different from a transfer of one loan. Onity still handles loans on its own system, while its website also describes borrowers whose loan moved to Newrez. The company printed on your latest statement and transfer notice identifies the right route.
What does the current CFPB record say about Onity’s parent?
The CFPB files the current Onity parent record under its former “Ocwen Financial Corporation” name. In 2025, the Ocwen label ranked 5 of 75 companies we track by mortgage complaints.
The CFPB label names the parent, so this count covers that label rather than only the operating company.
The separate older label “PHH Mortgage Services Corporation” has no complaints in these two recent windows.
The CFPB marked 1,521 of those recent Ocwen-label complaints answered on time, or 99.9%. The median was 100.0% among 32 other companies with at least 200 complaints in the same window.
Since May 1, 2017, 41.6% of complaints under “Ocwen Financial Corporation” concern “Struggling to pay mortgage.” The median is 22.7% among 73 other companies with at least 200 mortgage complaints. The Ocwen label appears once in this comparison. The separate PHH Mortgage Services Corporation label is not a peer. The chart compares those shares. Onity’s predecessor Ocwen handled distressed-loan portfolios; this comparison does not measure whether loans were already behind when they entered servicing (New York DFS 2014 order announcement).
Hardship accounts for 41.6% of complaints under the Ocwen label
Ocwen Financial Corporation and the median of other companies; complaints since May 1, 2017
This company Median of other companies
Trouble during payment process
Struggling to pay mortgage
Applying for a mortgage or refinancing an existing mortgage
Closing on a mortgage
Incorrect information on your report
Problem with a credit reporting company's investigation into an existing problem
How did the company close CFPB complaints?
For mortgage complaints received under “Ocwen Financial Corporation” from January 1, 2025, through October 20, 2026, 96.4% closed with an explanation. 0.5% closed with non-monetary relief, and 0.1% with monetary relief. The medians for other companies with at least 200 complaints in the same period were 0.0% and 0.5% for those two relief categories.
The CFPB response field records the company’s closing category.
How has the Onity complaint count changed by year?
The annual CFPB series under “Ocwen Financial Corporation” shows the longer trend. The last bar covers January 1 through October 20, 2026. The chart plots received mortgage complaints by calendar year.
Ocwen Financial Corporation: 1,115 in 2025, 1,249 through October 20, 2026
CFPB company label: Ocwen Financial Corporation; 2026 ends October 20
How did the latest 12 months compare with the prior 12 months?
The CFPB recorded 1,029 mortgage complaints under “Ocwen Financial Corporation” in the earlier equal-length window and 1,522 in the latest. The chart sets the two periods side by side.
Ocwen Financial Corporation: 1,029 before, 1,522 now
Equal 12-month windows ending October 20, 2026
When did Onity answer complaints late?
The CFPB’s timely-response field recorded 2 late answers to mortgage complaints under “Ocwen Financial Corporation” from January 2025 through October 2026. The chart shows monthly counts.
Ocwen Financial Corporation: 2 late answers since January 2025
CFPB company label: Ocwen Financial Corporation; months through October 2026
What did the state orders require?
The 2018 multistate agreement required PHH Mortgage Corporation to fund $31,456,210 in payments for eligible borrowers whose loans went to foreclosure or were referred there in 2009–2012. It separately required $8,823,515 in state penalties. PHH admitted no wrongdoing or legal violation in the agreement (signed agreement).
The Justice Department’s 2017 PHH settlement separately required $74,453,802 paid to the government over loan-origination allegations. PHH admitted specified FHA loan facts (DOJ release).
New York’s 2016 order against PHH Mortgage Corporation and PHH Home Loans assessed a separate $28 million state penalty. It described about $1.2 million in improper attorney fees as later remediated, and described later borrower remediation without a fixed refund total (signed order).
California’s 2020 PHH order assessed a $62,000 penalty, with additional per-violation amounts to be determined by audits. It required refunds of excess per diem interest with interest; the signed order gives no final refund total (signed order).
A 2023 California order named Ocwen Loan Servicing and PHH Mortgage Corporation as its successor. It required a $2.5 million payment to the state for penalties, costs and fees, plus borrower refund steps without a stated final total. Ocwen did not admit the alleged violations (signed order).
HUD announced a separate settlement in January 2025 over alleged payment-processing fees on FHA loans. It estimated $3,465,000 in restitution for about 51,500 borrowers and a $245,000 administrative payment to HUD. The agreement expressly disclaimed an admission of fault or liability (HUD release).
A federal court approved a separate $1.5 million PHH class settlement in June 2026 over disputed notices of default. Attorney fees and service awards come from that fund, while PHH pays administration separately. PHH denied the allegations; the court approved the settlement without a liability ruling (court order).
A separate CFPB mortgage-insurance case against PHH had a $109 million director’s order in 2015. A federal appeals court vacated that order, and the bureau dismissed its charges in June 2018 (CFPB docket).
An earlier Ocwen consent judgment required $2 billion in principal-reduction relief and a $125 million fund for foreclosed borrowers (CFPB action). A later CFPB suit ended with judgment for Ocwen in May 2023 (court order).
New York’s 2014 Ocwen order provided $50 million in direct homeowner restitution and $100 million for housing and foreclosure programs (DFS release). A 2017 New York order set further corrective steps (signed order). Florida’s 2020 Ocwen/PHH settlement provided at least $8.6 million in consumer relief and more than $3 million in penalties, fees and costs (Florida release).
How can you ask the current company for help?
Onity offers a mortgage assistance request through MortgageQuestions after account sign-in. Its site also lists the service line for an application by phone. The type of relief available depends on the loan and the review.
A HUD-approved housing counselor is a trained, independent person who can discuss your mortgage problem for free. Find one through the CFPB. A lawyer can help interpret an individual court notice or approaching sale date.
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Start with the company on the statement
If your statement says Onity, the current company page lists 800-449-8767. If a transfer notice names another servicer, use that company’s current route. Onity’s Newrez notice applies only to loans it says transferred there.
Source: Onity new-customer page
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Use the designated box for a written account question
Onity’s contact page designates PO Box 24695 in West Palm Beach for notices of error and requests for loan information. Its general mail and payment addresses are different.
Source: Onity contact page
Entrance to the Consumer Financial Protection Bureau in Washington, D.C. CFPB contact page
Where can you complain about Onity?
The CFPB complaint form sends a mortgage complaint to the company for a response. A complaint is a record of the problem and the company’s reply.
Your state banking or mortgage regulator is another complaint route. The CFPB lists state regulators and complaint instructions. For help reviewing options, HUD’s local counselor search finds agencies by ZIP code or state, or call 800-569-4287.
PHH’s regulator record under its former name
Onity Mortgage carries PHH’s record and the earlier Ocwen Loan Servicing record after their merger. Each action below names the entity, money and status.
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Jun 22, 2026
U.S. District Court for the Western District of North Carolina Final class-settlement approval in Williams v. PHH, No. 3:25-cv-00144
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
Borrowers alleged misleading notices of default. The court approved three settlement classes but did not decide liability. Its order described the individual monetary recoveries as small.
Admitted wrongdoing? PHH denied the allegations in the settlement agreement; the court made no merits finding.
$1.5 million across three class funds. Attorney fees and service awards come from those funds. PHH separately agreed to up to $200,000 for administration.
Status: Final approval entered June 22, 2026. The settlement site states it became final July 23, 2026. · Williams final approval order
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Jan 13, 2025
U.S. Department of Housing and Urban Development Settlement announced
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
HUD alleged that PHH charged payment-processing fees on FHA mortgages between May 2021 and February 2023. The settlement called for credits or checks to eligible borrowers.
Admitted wrongdoing? The settlement did not constitute an admission of fault or liability by either party.
HUD estimated $3,465,000 in borrower restitution, plus a separate $245,000 administrative payment to HUD.
Status: HUD announced the settlement in January 2025. · HUD 2025 archived release
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May 2, 2023
U.S. District Court for the Southern District of Florida Summary judgment for Ocwen in CFPB case
Conduct alleged against Ocwen Loan Servicing, which merged into PHH Mortgage Corporation (now Onity Mortgage).
The court entered judgment for Ocwen on the CFPB’s 2017 claims after applying the earlier consent judgment.
Admitted wrongdoing? No admission; Ocwen prevailed on the CFPB claims addressed by this judgment.
No penalty or borrower payment ordered in this judgment.
Status: Judgment entered for Ocwen May 2, 2023. · Federal judgment in CFPB v. Ocwen
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Feb 17, 2023
California Department of Financial Protection and Innovation Consent order
Conduct by Ocwen Loan Servicing, which merged into PHH Mortgage Corporation (now Onity Mortgage).
The order concerns Ocwen Loan Servicing and names PHH Mortgage Corporation as its successor by merger. It addressed California servicing and reporting issues.
Admitted wrongdoing? Ocwen did not admit the alleged violations, except facts needed for state jurisdiction.
$2.5 million to the state for penalties, costs and fees; borrower refund steps without a fixed final total in the order.
Status: The 2023 order set compliance and refund duties. · Signed California 2023 consent order
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Nov 25, 2020
Florida attorney general, Office of Financial Regulation and federal court Ocwen and PHH consent judgment
The Florida case named Ocwen entities and PHH Mortgage Corporation together.
Florida resolved a 2017 servicing case against Ocwen entities and PHH Mortgage Corporation. The Florida regulator release details the relief split.
Admitted wrongdoing? Ocwen said it did not admit fault or liability.
At least $8.6 million in consumer relief: about $2.1 million for affected Floridians, at least $1 million in modifications and about $5.5 million in late-fee waivers. More than $3 million covered penalties, fees and costs.
Status: Ocwen’s annual report dates the amended court judgment October 27, 2020. Florida OFR dates its final order incorporating the judgment November 25, 2020. · Florida OFR 2020 final-order summary
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Oct 12, 2020
California Department of Financial Protection and Innovation Consent order
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
An examination found PHH overcharged per diem interest on some California originations. The order required an audit and refunds of overcharges with interest.
Admitted wrongdoing? PHH agreed to the order and to discontinue the described violations. The order does not contain a blanket no-admission clause.
$62,000 state penalty plus per-violation amounts from audits; borrower refunds were required but the order gives no final refund total.
Status: The signed order required an audit and borrower refunds. · Signed California 2020 consent order
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Jun 7, 2018
Consumer Financial Protection Bureau Administrative charges dismissed
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
The bureau dismissed its mortgage-insurance kickback charges against PHH entities after a federal appeals court vacated its 2015 director’s order. This was a different matter from the multistate servicing settlement.
Admitted wrongdoing? PHH contested the charges; dismissal was not an admission of liability.
A 2015 order requiring $109 million disgorgement was vacated; the case was dismissed in 2018.
Status: Notice of charges dismissed in June 2018. · CFPB PHH administrative docket
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Jan 3, 2018
State mortgage regulators Multistate settlement agreement
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
Regulators alleged servicing, modification and foreclosure control problems affecting 2009–2012 referrals and foreclosures. The signed agreement required servicing standards and a borrower payment fund.
Admitted wrongdoing? PHH expressly did not admit wrongdoing, factual allegations or legal violations.
$31,456,210 for an eligible-borrower payment fund; $8,823,515 in administrative penalties to participating states. The fund also covered administration costs.
Status: The agreement set a three-year audit period beginning January 2018. · Signed multistate settlement agreement
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Dec 14, 2017
New York Department of Financial Services Regulator fine
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
New York said PHH Mortgage Corp. failed to maintain a vacant property in New Lebanon for at least 238 days. This property-maintenance matter is separate from the 2016 servicing order.
Admitted wrongdoing? The agency release states no admission by PHH.
$119,000 state fine; no borrower payment stated in the regulator release.
Status: New York announced the $119,000 fine in December 2017. · New York DFS 2017 release
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Aug 8, 2017
U.S. Department of Justice False Claims Act settlement over loan origination
Conduct by PHH entities before PHH Mortgage Corporation became Onity Mortgage Corporation.
PHH entities resolved allegations concerning FHA, VA and other loan origination and underwriting. This was an origination matter, separate from mortgage servicing.
Admitted wrongdoing? PHH admitted specified FHA loan facts; the settlement was not a general admission of legal liability.
$74,453,802 to the federal government: about $65 million for FHA matters and $9.45 million for VA and FHFA matters; no borrower restitution specified.
Status: The Justice Department announced the settlement August 8, 2017. · DOJ 2017 PHH settlement
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Mar 27, 2017
New York Department of Financial Services Ocwen corrective-action consent order
Conduct by Ocwen Loan Servicing, which merged into PHH Mortgage Corporation (now Onity Mortgage).
New York required Ocwen to address outstanding servicing and technology controls, submit risk assessments, and report quarterly.
Admitted wrongdoing? Ocwen agreed to the consent order; it did not include a trial finding.
The 2017 order states no new borrower fund or civil penalty.
Status: The signed order set a corrective-action process in March 2017. · New York Ocwen 2017 order
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Nov 9, 2016
New York Department of Financial Services Consent order
Conduct by PHH Mortgage Corporation, now Onity Mortgage Corporation.
The state found servicing and origination violations and required an independent audit. The order assessed a joint penalty against the named PHH entities.
Admitted wrongdoing? The PHH parties agreed to the order’s stated facts and violations.
$28 million state penalty. The order describes about $1.2 million in improper attorney fees as remediated, with no fixed total of later borrower refunds.
Status: The signed order remains effective until the department changes or ends it. · Signed New York consent order
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Dec 22, 2014
New York Department of Financial Services Ocwen consent order
Conduct by Ocwen Loan Servicing, which merged into PHH Mortgage Corporation (now Onity Mortgage).
New York found servicing and conflict-of-interest problems at Ocwen and required operational reforms and monitoring.
Admitted wrongdoing? The state action was a consent order rather than a trial finding.
$50 million in direct restitution for New York homeowners and $100 million for housing, foreclosure relief and community redevelopment programs.
Status: New York announced the signed order December 22, 2014. · New York Ocwen 2014 announcement
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Dec 19, 2013
CFPB, states and U.S. District Court for the District of Columbia Ocwen consent judgment
Conduct by Ocwen Loan Servicing, which merged into PHH Mortgage Corporation (now Onity Mortgage).
The judgment addressed servicing conduct by Ocwen Loan Servicing and predecessor portfolios.
Admitted wrongdoing? The consent judgment resolved allegations without a trial finding of liability.
$2 billion principal-reduction commitment for eligible borrowers; $125 million refund fund for foreclosed borrowers; $2.3 million administration payment.
Status: The court entered the consent judgment in 2014. · CFPB Ocwen enforcement action
The 2018 PHH borrower fund and the 2013 Ocwen principal-reduction commitment cover different actions and years.
What the federal rules say about written loan questions
The federal response periods are summarized below.
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An account error can be reported in writing
A borrower can send a notice of error to the servicer’s designated address. Federal rules require a written acknowledgment within five business days and a response within 30 business days.
Source: CFPB notice-of-error rule
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A transfer has a payment rule
Federal rules protect a payment mistakenly sent to the former servicer during the first 60 days after transfer. A counselor can help apply that rule to the dates on your notice.
Source: CFPB transfer rule
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Questions about Onity Mortgage
What is PHH Mortgage called now?
PHH Mortgage Corporation changed its legal name to Onity Mortgage Corporation on March 23, 2026, according to Onity Group.
What number does Onity give for assistance?
Its MortgageQuestions assistance page lists 800-449-8767.
Where can an Onity notice of error go?
Onity’s contact page lists Onity Mortgage, P.O. Box 24695, West Palm Beach, FL 33416.
Which CFPB company names do the counts cover?
The current counts use “Ocwen Financial Corporation,” the former Onity Group parent name. The older “PHH Mortgage Services Corporation” label is separate and has no complaints in those two windows.
Protect yourself from scams
The FTC and CFPB describe these warning signs and the rules behind them:
- Upfront fees for promised relief are a warning sign. Under FTC mortgage-assistance rules, most companies that sell mortgage help cannot charge until a homeowner accepts a written offer from the mortgage company or lender. A separate FTC rule covers debt-relief companies that sell by phone and ties fees to a completed debt arrangement. It bars a fee until at least one debt has been settled or changed, the customer agrees to the arrangement, and the customer has made a payment under it. The FTC describes a narrow exception for lawyers who give help as part of the practice of law and are licensed in the state where the client or dwelling is. The lawyer follows that state's rules for attorneys, and advance fees are placed in a client trust account before services begin under state trust-account rules.
- HUD-approved foreclosure-prevention counseling is free. HUD’s national counselor line is 800-569-4287. The CFPB counselor finder lists agencies and their services. If an organization charges for help described as free HUD counseling, the CFPB finder can verify the agency and its listed services before any payment.
- A request to sign over a deed is a warning sign. The CFPB identifies title-transfer schemes among foreclosure-relief scams. Signing over title can mean losing ownership of the home; a lawyer can explain what a proposed document would do.
- Foreclosure protections depend on timing and the loan. Regulation X generally bars the first foreclosure notice or filing on a principal-residence loan until the borrower is more than 120 days behind, subject to exceptions. A complete assistance application can delay some foreclosure steps, but that depends on when it arrives; it does not necessarily stop every step. The CFPB warns about promises to “save” a home.
Free help if you're behind
Housing counselors approved by the U.S. Department of Housing and Urban Development work at nonprofit agencies. The Consumer Financial Protection Bureau describes free foreclosure-avoidance counseling, including help with mortgage-company conversations and available options Source CFPB.
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HUD-approved housing counselors
Our help directory lists 1,010 agencies approved for foreclosure counseling, by state.
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Legal aid
Nonprofit law offices give free civil legal help to people with low incomes. Our help directory lists the 120 offices the Legal Services Corporation funds.
Every figure on this page, with its period and the CFPB filter behind it, in one file. Free to use with credit to American Default Research.
Sources and method
We gather the data, run the numbers and research each company ourselves. The CFPB publishes complaints without verifying each account. Counts use the named CFPB company label and the dates shown. Peer medians include the other company labels with at least 200 mortgage complaints in the same period, including Valon Technologies. Updated: October 2026 · Next review expected: January 2027.
What this page relies on (21 sources)
- Consumer Financial Protection Bureau, Consumer Complaint Database Mortgage complaints about the company, received through Oct 20, 2026. Our counts from the CFPB's complaint records.
- Current assistance, servicing and mail routes
- Assistance application route
- Legal name change
- Newrez transfer qualification
- PHH consent order
- 2018 multistate borrower fund and state penalties
- 2020 California interest overcharge order
- 2023 Ocwen and PHH successor order
- 2017 New York property-maintenance fine
- 2018 dismissal of PHH mortgage-insurance administrative case
- State regulator complaint directory
- Local housing counseling agencies
- 2017 PHH origination settlement
- 2013 Ocwen servicing consent judgment
- 2023 Ocwen judgment
- 2014 Ocwen restitution and program funds
- 2017 Ocwen corrective action
- 2020 Ocwen and PHH Florida judgment
- Amended final judgment date and Ocwen disclosure
- Florida 2020 final-order date
We write with assistance from AI tools. Figures come from the data and sources named on this page.