Now in its second decade, loanDepot is a mortgage industry leader dedicated to creating seamless borrower experiences through its proprietary mello™ technology and mello smartloan™, the industry’s first end-to-end digital mortgage. An innovator since its inception, loanDepot continues to disrupt the lending industry with its focus on technology to deliver personalized experiences to its customers. The Company has funded over $212 billion since its founding in 2010, and currently ranks as the second largest nonbank lender and one of the leading retail mortgage lenders in the U.S. NMLS #174457
loanDepot (loandepot.com) has a 4.0 out of 5 rating on OK.one, based on 194 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 20% of reviews are 1 star, a relatively high share; The business has replied to 98% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-05.
Reviewers had a great experience with this company. Customers frequently praise the dedicated staff for being exceptionally helpful, knowledgeable, and responsive throughout the entire loaning process. People deeply appreciate the smooth, well-organized journey, noting that communication remains consistently clear and entirely stress-free from start to finish. Consumers find that representatives go well above and beyond to secure the best possible rates and deliver timely assistance. However, some customers also noted occasional issues with communication delays, paperwork complexities, and unresponsive representatives during their applications. A few people were truly unhappy with persistent phone calls, unhelpful customer service interactions, and inflexible underwriting rules.
Auto-generated from all reviews of this business. For reference only.I was very impressed with my loan officer David Troup. This young man was very kind, patient and professional! He went above and beyond. Very very patient and Phenomenal. After dealing with spam calls and rude people Mr. David Troup was like a breath of fresh air. I wish all folks that deal in customer service could be like e this fine young man! Thank you so very much. Sincerely Cynthia R. Ryan
I was looking to apply for a home equity loan. I was contacted by Agent Ritchie Lamport. He started out keeping me informed about the process. More documentation was needed, which I provided. The communication became almost null. I had to email him constantly to see what was going on. He told me that income was short and he would try to do what he can to help. He left me an email that the loan the payments would be higher than he first quoted. I emailed back to tell him that we would find other options. He has yet to contact me. Some people may have had good experience; I am sorry to say I was not one of them
Hi Marina – We appreciate you for bringing this matter to our attention. Please contact our Customer Care team at 888-337-6888 (x6789) or [email protected] so that we can try to resolve your concern.
terrible experience. they use AI to call you 25 times a day. on Sunday during church! No Limits! If you block the call they bounce the number of different sources to keep calling and calling. when I go to return the call AI picks up. so i have to make 25 different calls to talk to a computer to say please stop calling! I ended up doing business with a real person and not a computer! no not call them!!! a computer will call you from different phone #s all day long
Hi Richard – Thank you for this review. Your experience is important to us and we take your concerns very seriously. Please reach out to our Customer Care team at 888-337-6888 (x6789) or [email protected].
August, 26, 2026 I applied for a home equity loan on August 3, 2026. No doubts from Mr. Linear that everything was all set and we'd close in 1-2 weeks. Underwriting wouldn't finalize without verification from both employers, however I explained the second employer is unreliable at best because we separated on less than ideal terms. I offered 6 months of paystubs as a substitution. It was rejected. Then it was decided my current employer, where I've been since 2010 wasn't appropriate because i changed from full-time to part-time earlier this year. They stated I needed 2 years in the position. Then, it was decided the second employer income could not be counted as I had separated from the company this year. My total income was reduced because there was no credit for 6 months with another agency. I've asked for everything to be evaluated as a whole, and for the lender to credit 16 years with the same company, 30 years in the industry, and my loan history with the same lender. While I understand it may be a rule, I feel there should be a bit of common sense applied. In addition I wasn't offered a bank statement loan, or alternate proof of income. Furthermore to this date I haven't received a denial letter as required by the ECOA.
Hi Allan – We take your feedback very seriously and would like to investigate further. Please contact our Customer Care team at 888-337-6888 (x6789) or [email protected] at your earliest convenience.
Wow it was like opening Pandora's box - 30 calls from several different companies like loanDepot. I am in Texas so have to wait another year to refinance. loanDepot told me this but that did not stop the calls - was a nightmare experience for me. Will not stop calling even though I requested it multiple times. Now I do not answer.
Hi Steven – We apologize that your experience was not satisfactory and would like to learn more. Please call our Customer Care team at 888-337-6888 (x6789) or [email protected].
Three times I have applied for a loan because this company says they have new programs and all three times they say I qualify for something better than I currently have on my house. Yet all three times what they promise and guarantee doesn't end up being available or possible. Twice because their employees entered something in error giving grossly off LTV ratios. Yet they are never held accountable for these mistakes and just keep offering something that is not possible. It is a huge waste of time, false advertising and overall extremely poor customer service.
Hi Brent – We appreciate customer feedback that helps improve our service. Please reach out to our Customer Care team at 888-337-6888 (x6789) or [email protected] so that we may help you with the issue.
I’ve been a Loan Depot customer for approximately five years now. Never had a problem never missed a payment ever had any problems whatsoever. But then I started a new home loan application on their website a week ago and never received a phone call back. I ended up calling them four times only to be told that I will get a text message followed by a phone call and this never happened. On two of the occasions that being the last two calls, I was guaranteed by the secretary that a loan officer would call or the manager would call that day. And of course, this never happened. My low review is based on my experience this time around. For a loan company to avoid contact with a customer applying for a new home loan is quite disturbing. The fact that the housing market is slow and the interest rates are high who knows when the interest rates will drop. I’m assuming Loan Depot has so much business that a current customer with a credit score of over 800 is no longer good enough for their company. I called today and notified them I was canceling my home loan application. My experience and a current customer and know urgency on there part to correct the situation is a true statement and I have the phone calls to validate everything in the review. For those out there looking into a loan company read the reviews on as many as you can. When businesses customer service changes over 5 years to what Loan Depot is today, beware of the time it will take to get approval for a loan.
Hi Will – We take your feedback very seriously and would like to investigate further. Please contact our Customer Care team at 888-337-6888 (x6789) or [email protected] at your earliest convenience.
I never cease to be amazed by Loan Depot's continued stellar support throughout one of the most important phases of home buying. Nancy DeNicola and her team have gone above and beyond time and time again in answering questions promptly and addressing any and all of my concerns/worries. When applying for this second mortgage, I knew that Nancy and her team would do the best job of helping me through what is normally a not so fun process. My trust in Nancy goes beyond the level of trust that I have even for some of the people in my immediate circle. I am so incredibly grateful for this team and owe it to them for making all my real estate dreams come true. I only wish that I could rate this team higher than "10" on the feedback survey. They deserve that score times a hundred. Loan Depot remains on the very top of my list of companies with the best service because of this team. I couldn't be more grateful!
Hi Sydney! We are thrilled that you had great experience with us and appreciate the time you took to share. Please keep loanDepot in mind for any future lending needs.
I'm very angry with Loandepot. I applied for a loan two weeks ago, and after much ado, found out that they wanted about ten thousand dollars of up-front fees. I told them I wasn't interested, and thought that was that. No way. The next day I got a call from a rep who tried to force feed me the loan. When I protested, she hung up on me. That's not the end of the story. Yesterday in the mail (physical mail) I received no fewer than ten thick identical copies of the loan application, amounting to almost ten pounds of paper filled with all of our personal data. I had to laboriously shred the entire bundle for fear that our private data would fall into the wrong hands. I would avoid Loandepot at all costs!
Hi Neil – We appreciate customer feedback that helps improve our service. Please reach out to our Customer Care team at 888-337-6888 (x6789) or [email protected] so that we may help you with the issue.
The whole process was very easy and fast. From the beginning all the way through I always knew where we were at and what was needed. From start to closing, less than a month.
Hi Golden! We are happy to hear that you had a great experience with us. Thank you for sharing your story. We are here for you if you have any questions or future financial needs.
The young gal walking me thru the application procedure excused herself, she needed to visit the "power room"? We proceeded, after her call back, THEN she excused herself AGAIN, she had to attend a meeting? STILL WAITING FOR HER CALL BACK! This young gal is lacking in good work ethics which, to me, reflects poorly on the overall operation of Loan Depot's origination
Davis made the process and understanding of my needs. Thank you LoanDepot
Hi John! Thank you for sharing your great experience with us. We will share your kind words with Davis. Please keep us in mind for any future lending needs.
Ms.Brielle stuck it out with me and she is still there for any ? I might have.. She has excellent customer service.. The best I have ever had the to speak with
Hi Ray! Thanks for sharing your story with us. We are so glad you had a great experience with loanDepot. Please keep us in mind for any of your future financial needs.
The representative was very patient with me through the process. He went above and beyond to help me complete the loan application. I misunderstood about the disbursement of the cash, but it has been explained and I am satisfied. I definitely would recommend Loan Depot to others.
Hi Jacqueline -- Thank you for sharing your experience. If you would, please reach out to our Customer Care team at 888-337-6888 (x6789) or [email protected]. We’d like to hear more.
The process easier to take and very impressed with the way so well and faster. Happy to doing business with Loan Depot.
Hi Arturo! Thanks for sharing your story with us. We are so glad you had a great experience with loanDepot. Please keep us in mind for any of your future financial needs.
I am utterly disgusted by this company’s complete lack of ethics, accountability, and basic human decency. After being severely injured in a head-on collision caused by a drunk driver, I requested a temporary 4-month loan deferment—the first time I have ever needed financial assistance in my life.I submitted every piece of required paperwork. I explicitly asked multiple times if my file was complete, receiving both verbal and written confirmation that they had everything they needed. Two months later, they abruptly denied my request, claiming I lacked the "correct" documents. When I tried to provide proof of their written confirmation, customer service agents refused to look at it, ignored my verification, and told me I had to start the entire process over.To make matters worse, they gave me conflicting, deceptive advice: they told me to make a payment, skip the next one, and re-submit the exact same paperwork. Three weeks later, I was targeted by their collections department. The representative was abusive, extremely rude, and essentially called me a liar.This company kicks people when they are down. Their internal communication is broken, their customer service is hostile, and their business practices are predatory. Avoid them at all costs
Hi Justis – We take your feedback very seriously and would like to investigate further. Please contact our Customer Care team at 888-337-6888 (x6789) or [email protected] at your earliest convenience.
Very terrible at communicating. They tell you they’re gonna call back and they do not. They pass your paperwork on from one to another agent. We have called them over 1000 times and nothing. Yet I get about 30 calls a day and text from other agents acting like they wanna give me alone. I have my Home Loan through there now, this soon as I get the first chance I’m going to refinance with another company and never go to Loan depot again.
Hi Rick – We apologize that your experience was not satisfactory and would like to learn more. Please call our Customer Care team at 888-337-6888 (x6789) or [email protected].
The customer service, especially my rep, Antoine, was wonderful. He did not pressure me one way or the other. He was very informative and gladly answered any questions I had. It was a wonderful experience.
Hi Deborah! Thank you for sharing your great experience with us. We will share your kind words with Antoine. Please keep us in mind for any future lending needs.
Tough2U from Red Oak, TX | worked with Dylan Michael Rice 0--Star Rating My experience with Dylan Rice at LoanDepot was terrible. I was given one set of loan terms and expectations at the beginning of the process, but as things moved forward, the information kept changing. It felt like a classic bait-and-switch. The interest rate match what I ended up being offered, but they add it all to the closing costs which were extremely high. Instead of helping me save money, the final loan structure would have left me owing significantly more than I expected. I felt like unnecessary costs were added that dramatically increased the overall cost of the loan. Communication was poor, and I never felt like I was getting straightforward or transparent answers. Based on my experience, I would not recommend Dylan Rice or LoanDepot to anyone looking for a transparent and trustworthy loan officer.
Hi Frank -- Thank you for reaching out to us about your experience. We would like to have a member of our Customer Care team to discuss this further with you. Please call our Customer Care team at 888-337-6888 (x6789) or [email protected].
They relentlessly SPAM me with emails and calls. I don't know when it has something to do with my mortgage or sales. I had one late payment on my entire credit history and it was with them. They changed their processing center and my auto bill pay with BofA was still going to the old address. I missed the email because of all the junk email I was ignoring. I corrected once I realized from my bank, 35 days late. Do you think they would own some of the confusion when I called to explain? Nope, they wanted to ding my credit. I still have exceptional credit so they did not get any benefit from screwing me over. I like to remind them about this incident when I have to remind them that I am on the do not call list. Borrow from a smaller more local lender, they will treat you much better.
Hi Cletus -- Thank you for reaching out to us about this concern. Please contact our customer care team at 888-337-6888 (x6789) or message [email protected], and we will place you on our Do Not Call list.
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