Let me just say... All of the reviews before me are true! Our last loan before Midland.... which was our very first lender / first house... I guess the loan had been bought out by Midland and we just received notice in the mail stating as such. No input, just.... switched over. I firmly believe that the only reason this business and lender can stay in business is by buying out loans. They have TERRIBLE customer service. Terrible rapport. Terrible everything. They would pay for insurances that I said I was switching. They would frustrate other companies we use for the home. They would often pay for things that I had to call and reverse charges. They are absolutely the worst. This company will give you anger issues, and I am not trying to be funny by any stretch. Avoid. Avoid. Avoid. IF your home loan gets bought out and taken over by Midland, I literally suggest that you find a different lender and refinance immediately. Do not engage in business willingly with this company at all! Thank you for reading! read more

In early 2024, a large tree fell on my home, along with other storm damage rendering it uninhabitable. My insurance company approved a major claim (exceeding $30,000) and issued funds to Midland Mortgage to endorse and send to me to get the repairs done. For nearly two years, Midland has withheld these funds while my family has been displaced. Out-of-Pocket Costs: I paid nearly $18,000 upfront to remove the tree after Midland promised immediate reimbursement. It took months of absurd document requests to be reimbursed, including demanding the contractor's business bank statements. Unauthorized Repairs: Midland hired unlicensed contractors who performed substandard work not covered by insurance, causing additional damage. Contractors appeared at odd hours in unmarked vehicles and left when neighbors approached. Midland then filed vandalism and supplement claims (both approved), but never released these funds or explained what they did with the money. Multiple times, Midland confirmed funds would be released within days. Each time, they contradicted this without explanation. Financial Hardship: My wife, 2-year-old daughter, and I have lived in temporary housing for two years while paying both rent and mortgage. The property remains uninhabitable. Midland demands mortgage payments while withholding insurance funds and threatening foreclosure. Loss Draft Department: Since mid-2024, I've documented every interaction. The Loss Draft department is evasive and argumentative. Representatives recently admitted no additional funds would be released, while others claim they see no funds at all. Large sums are "missing." Pattern of Behavior: Multiple council indicate this is common practice by Midland. Even my insurance company is familiar with this behavior. I am requesting investigation into Midland's handling of insurance funds and property preservation practices that have left my home uninhabitable for almost two years while holding a lot of money in approved funds. read more

They consistently miscalculate escrow payments for homeowner's insurance and taxes, and forget getting back what they overcharge you. All you can count on is your mortgage payment going up and up and up and up, every single year. They will charge you astronomical fees for obscure reasons that are completely corrupt, like conducting 'inspections' of your property to see if someone lives there if you're behind for a month on your payments. They will LIE to your faces that they did not get documents from you, when they did. Even if you send it registered mail--only THE most secure mailing medium there is, and you have the receipt showing they signed for it, they will nevertheless LIE that they didn't get it. Don't even bother to make an insurance claim, pay for the repairs yourself, because the crooks at Midland will NOT release funds to a contractor without literally months of LIES that they don't have some ticky-tacky documentation from you. In fact, most reputable contractors WILL NOT DO BUSINESS WITH MIDLAND VICTIMS--er, 'customers' because the company is so determined to hold onto YOUR insurance claim check without releasing the funds. This is known in the regular world as STEALING, but because it's a corrupt company in a typically corrupt red state (Oklahoma), they're in bed with the politicians there and can get away with ripping you off, with impunity. read more

Deceptive, slow, and non-responsive. Still fighting for basic transparency. Midland Mortgage has made my homeowner experience needlessly stressful. I've submitted multiple formal requests for basic mortgage and escrow records--yet months later, I'm still waiting. Their reps pass me around, give conflicting answers, and dodge accountability. No homeowner should have to fight this hard just to understand their own loan. I've initiated complaints with several agencies and may escalate further. If you value your peace of mind, avoid this servicer. read more

Poor customer service when you call for help. They want you to do everything online. My yearly homeowners insurance was up for renewal, nobody bothered to notify me before paying insurance with a $600 increase! I'm very upset that they took my money with no notice to pay this. Midland financial could use some common courtesy classes and update their policies to keep their clients better informed do everybody is on the same page. They bought my contract, I did not chose them, nor would I chose them based on my interaction for the last several years. Do better Midland Financial to create a friendly, helpful experience. read more

The worst Mortgage company the worst representative and most racist staff they don't care if you payoff your loan and there is not such thing call Good will or good faith just one month late payment adjustment they will say screw you and your credit bunch of looser i hope Government take their license away. read more

The WORST mortgage company in the nation! Inconsistent representatives who give differing guidance. Bottom of the barrel service. I look forward to refinancing with a more reputable company. read more

The agent who answered the phone call today was extremely rude. As a person who had worked in customer service for over 25 years, a question can be answered without getting an attitude. read more

Unfair Billing that is so inaccurate. DO NOT DEAL WITH THESE GUYS. We have paid more than is due the entire year, but they have our statement showing we are 5 months behind. Blood Suckers!!! read more

I would give this company a negative rating if I could. Long story short, I have waited 4 MONTHS for this company to give me MY escrow money. I gave them ample proof ( an actual email/photo proof from my ex-wife herself/proper ID) that my ex-wife's name should be removed. I was told the check they re-cut in my name only was returned by the Post Office. Did anyone from Midland think to maybe send me an email, or call me, since they had ALL of that information available to them, since I was an actual CUSTOMER, but I guess using common sense is not an actual requirement to work there. This has been going on now, once again for FOUR MONTHS. Every time I call, I keep getting another story. I am DONE begging them for MY money. I sent them an email a few minutes ago stating they have 3 days to direct deposit MY money. If not, my lawyer will get involved, and I will report them to the BBB. MY FELLOW VETS- I served 23 years on active duty USAF. AVOID AT ALL COSTS!! read more

Horrible company. Even if you pay your payments on time they will not post them on time and make it like you are behind even though it's their fault. Be careful they're out to take your house read more

Midland Mortgage is the worst business I have ever dealt with. They lie and procrastinate. When you call them nothing will be taken care of with a sense of urgency, everything will be 5-7 business days or 30. Why does it take 5-7 days for documents to be uploaded. I wouldn't be surprised if they had several lawsuits against them. Do not finance your home with them, they will ruin your life. I would like to give them 0 stars. read more

This company wants their customers money and doesn't care beyond that. Their customer service agents aren't incompetent, but they aren't much better than that. Sub par company to be avoided at all costs. I moved and changed addressed three times over the course of a couple of months due to job changes and a cross county move. There was an issue with my auto-pay as a result. A whole 60 days went by and nobody bothered to pick up the phone and say "Hey, you have an overdue balance." They sent mail that obviously didn't make it to me because of my moves. Stupid. When I appealed the late payment mark that tanked my credit over 100 points, it was denied. This is my first late payment EVER. I had legitimate excuses and the company did too little on their part to make me aware that there was an issue with my payments. Unacceptable in today's day and age. Pick up the dern phone. Find a different company. 0 stars. read more

Sadly, our loan was sold to Midland funding while on COVID forbearance. We asked if there was a way to deal with the months we owed and go back to current. We were told there was a way, and also, they could see our interest rate to be lowered to current rates (that are considerably lower than the one we got when we bought the house)~Too good to be true. Ever since the beginning of March, we have called numerous times and every single time, the representative tell us that nothing has been done, and they're going to do it now. Once we received paperwork to sign where there were all things we never agreed too. I have no idea if it's terribly bad training, plain stupidity, or they're stalling to see if the interest rates go up. I don't know. Every time we call is more distress and confusion. read more

Well from reading other reviews this is still the same company as I remember it to be I'm looking at taking legal action at this company. I am an active duty service member and have been since 2000. And I'm getting ready to retire and have be learning a lot about SCRA. it stands for Sailor and Soldiers Relief Act. This poor excuse of a company foreclosed on my home while I was forward deployed to the Middle East. Well I now have the means to take legal action. One of the nice things about SCRA. It can still be claimed up to 180 days til after I discharge. I'm sorry for all future clients who have to deal with this company. STAY AWAY. read more

Absolute NIGHTMARE. I'll never forgive my original lender who sold my mortgage to these losers. Avoid at all costs if you can! I will be refinancing with another company as soon as I am able. Is it possible to give ZERO stars?? How about negative stars......? read more

My mortgage loan was sold to this worthless company. Since I have been with them I have had nothing but problems. I strongly recommend anyone but them. read more

Like others before me I wish I didn't have to give this unprofessional joke of a company any stars at all. Citibank sold my mortgage to them and it has been nothing but a nightmare. Yesterday I even had a girl call me only so she could put me on hold so she could look up why she was calling me. Are you kidding me??? Their employees are unprofessional, rude, and ignorant. I get several calls a day and each person tells me something completely different than the last. They clearly do not communicate with one another. If you have a choice as to who to have a mortgage with, choose ANY company besides this one. Look at the other YELP reviews. I bet they do not have one satisfied customer in their entire database. Do NOT use this company. read more

Our mortgage was sold to Midland after falling behind due to job loss. They try to force the 'Loan Modification" on you first of all, which only means they tack on a HUGE 2nd mortgage and you can plan on owing mortgage payments for a lot longer! I refused the modification but was able to catch up my payments. As I went to review what I owed I found out that they had applied over $3000 to unexplained MYSTERY fees! I found out that when I had paid 2 payments at once last year totaling $2700 they applied $2120 of that money to a fee with absolutely no explanation what it was for! Please check your transaction HISTORY! It turns out they were claiming I was further behind then we actually were! Total crooks, Im sure we will see a class action law suit soon. I plan to sue them myself! PREDATORY LENDER! Be smart and check where every dime you send them goes!!!!!! read more

I would provide for no stars for this company. I currently carry a mortgage with this company in good standing and they are an administrative nightmare. There is no consistency here with their administrative processes. read more

Can I give less than 1 star? My mortgage was acquired by Midland and they were servicing the loan at the time I sold my house. They took six weeks to process the loan payoff and in that time, decided to report the loan as delinquent to all the credit bureaus. My title company and realtor were flabbergasted, as was I. read more

This mortgage company has really been the worst to me. Our home was hit by a tornado in April '11 and they have held up repairs for over a month and waiting. Unfortunately both our names were on the insurance check and as of almost 6 weeks later they "needed" the contractors business card faxed to them! I know you don't have so much say in who your mortgage company is but don't get these guys if you can help it. read more

I needed a new roof. I sent this mortgage company my Insurance check since they name is on the check so they can send me a check back so i can get a new roof that was 2 months ago and i still don't have my check back, I got my new roof but trying to get my check back so i can pay the roofing, company has been a nightmare. This company is a joke. read more

I have a current mortgage with Midland. I was late by 30 days before xmas several years ago. I paid current and made sure they posted the money prior to being reported. After the holidays they put me in pre-foreclosure for 2 months and reported me late by 60 days for 5 months starting the January. I was not late, and when you are not late there is no way to communicate over the phone with anyone. Email the vice president is your only option. So last year I changed insurance companies. They have this website you go to change insurance info. What a joke that was. My agent sent them a letter that they did not read. Mailed a check to the old insurance company, my new policy was to cancel so I paid it myself. A month later they mailed a check to the new insurance company; but not before adjusting my escrow account up by $120 per month. The new insurance company mailed a check back to the escrow where it was promptly lost. If there is ever anything other than your regular payment on time, it will get messed up by this company. I am sure they operate on a shoe string budget and charge the holders almost nothing for servicing. The only way to fix this problem is to file a complaint with the CFPB. I did fine out from my insurance agent, who once lived in OKC, to call Medfirst Bank and they will transfer you to their mortgage division. Infinite hold lost in their phone system! Avoid this company if you can; they make the mortgage business look disgusting. read more

I would give NO STARS..LaDonna, Ronnie who works in the loss draft department at Midland Mortgage was a terrible customer services person representing a terrible company Midland mortgage. Midland Mortgage period has terrible customer service. Midland Mortgage has held my insurance check for over the days allowed and when asking to speak with a supervisor in loss draft department no supervisor in this department will call back. Midland Mortgage continues to lie and send mix messages that created a frustration and resentment in me their customer who only would like to fix my home. Midland Mortgage makes you go back and forth and put you through unnecessary hoops which make an already difficult situation much more difficult. I feel that they purposely hold the money so they can gain interest on the money and if you challenge their policy they hold it longer to stay in control to punish the customer. Midland Mortgage are loan sharks and they feed off their customers. read more

Absolutely the worst. My mortgage was also sold to them. They charged me inspection fees for a year even though I was making payments every month and working with them to resolve my account. Once I paid them current, then they hit me with a bunch more fees. Completely crooked. read more

This company is a nightmare to deal with. Customer service is impossible to get through to. Do not use this company under any circumstances. If we could move our home loan we would. read more