ONE AMERICAN MORTGAGE (a division of ONE AMERICAN BANK) Kearny St, San Francisco

I'm trying to sign some docs online, but it gives me an error warning when I try to login. I've been calling and emailing for over a month. never once have I gotten through to anyone. never once have I received a call back. One American Mortgage is a joke. Edit: I’m bumping this up from one star to two. My realtor was able to get a hold of someone that her knew personally who quickly had the problem fixed. If we wouldn’t have the connection I think I’d still be waiting though.

I have been in lending for over 20 years. I have worked for lenders in correspondent and wholesale channels and now I’m a mortgage broker working with many lenders to originate my client’s loans. I have NEVER encountered a lender as horrible as One American. I signed up with them in September of 2020 and immediately sent them 2 refinance loans. Both loans were easy...great credit, low LTV. After 60 days of absolutely no communication one borrower went elsewhere and closed already. The other loan has been there since Sept 14th and today is Dec 24th and still has not gotten close to closing. There is ZERO communication, nobody returns emails or phone calls. There isn’t an account manager to call and the rep is useless. No information whatsoever. It is truly a black hole!! Borrowers and brokers need to beware...GO ANYWHERE ELSE!! Don’t be tempted by the low rates they advertise. It means nothing if they can’t close!! I’m pulling the loan today and closing it with Caliber Wholesale who I know I can count on To close this in 20 days. Thankfully the market moved in the right direction for my client and his rate is now better too!! NEGATIVE ZERO STARS!!!!

Zero stars if I could. Can't get autopay to EVER work. Call every month to pay my bill and to be reassured by a representative that all looks correct on their end and that it should work the next month...which it never does. The one thing I can allow the 1 star to go toward is the people I have talked to have been nice.

Awful communication! I emailed twice and never received a response from this bank. When you call, you get a message answering machine that ensures you they will call back in the order the call was received. No one ever returned my call. I would not do business with a bank that cannot return a simple phone call or email. Absolutely unacceptable business practice. I do not recommend One American Bank.

Wow! I thought my case with stolen first payment is unique, but it looks like it's the actual criminal operation that steals money! I can't believe it's possible. Same story as other reviewers. My account was sold to Dovenmuehle within the first month and my first payment was lost somewhere between. "Research Center" is researching this case for last month. They can't provide me with any details on the transaction or where my money is.

ZERO STARS!! They held our transaction hostage and created a domino effect for the other connected transactions! They found every reason they could to delay the loan for the buyer. Do not work with this company, they don't give you the straight answer ... tell you they're on track to close early and then delay, and delay, and delay. We heard from Chacko Kavanattu that the loan was his number one priority ... pretty sure that meant he was immediately putting in at the bottom of the pile. So unprofessional, never returned calls or emails and then sent an email asking to stop harrassing him. Such a joke!

I have experiences similar to the comments. One American sold my mortgage, and is also trying to collect payments as I'd my mortgage is active with them. I don't see how this is legal. My advice is to keep all records, communication, record conversations and get names. I don't think they are criminal...just incompetent.

They made an error by reporting a late payment under the RESPA Act.Good luck trying to speak with a supervisor to resolve this issue since regular staff has no idea how to fix this. I was on hold for over 10 min before I hung up. Plus, they don’t write all the notes of your call. When I did a follow up, the person I spoke with last had only written words for the benefit of their company, while verbally I had all the rights. Unfortunately my loan was sold to them from Quicken loans without my permission, I was placed their without prior knowledge. Do not go to them willingly, you will regret it.

Recently refinanced and still have not received communication about setting up an account online. When you try to call there is an automatic voicemail saying they are experiencing a high call volume, leave a name and number and we will call back. Called two days ago but no response yet. No email listed on site to contact either. Stuck in no man's land waiting for word from somebody.

It is pretty much impossible to speak with a human being. Their phone answering service is designed to make it as difficult as possible. When you need an answer on something as important as your home mortgage it would be nice to be able to get the information you need.