Capital One Home Loans Ratings & Reviews

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NMLS ID: 453156

Capital One Home Loans

(2.8 of 5) 2697 Reviews

44% of our customers would recommend this lender.

About Capital One Home Loans

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings - we maximize your savings with competitive rates and...

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Customer Reviews

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2697 Reviews

(2.8 of 5)
  • Lender Review
    from Seattle, WA
    (1 of 5)
    Reviewed:

    Terrible closing experience

    (0) (0)
    The underwriting team definitely does not have their act together. We are going through the 4th extension because they can't review the documents fast enough (apparently the condo review team takes their time). They also has asked us to provide proof of income on certain funds at least 5 times (meaning that they got it 5 times too). When you ask them for status, the answer is usually: "I don't know, that is department x who is handling that". It is a total waste.... Read More

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  • Lender Review
    from Oak Grove, LA
    (1 of 5)
    Reviewed:

    HORRIBLE to work with

    (0) (0)
    Loan pre approval was easy. The loan originator was knowledgable, then I was transfered to a loan specialist and loan hub. The Specialist was, very unconcerned and did not seam to listen to my needs. Her response time was very slow to my emails and called messages and she never had a answer to my questions when we did correspond. LOAN HUB was horrible. It would freeze up and give me a response of "Oops, something went wrong". Try again later. This happened many times. Documents that were uploaded and received were then lost or deleted by the Loan Specialist and we're requested again by Loan Hub, but you would only know if YOU looked at your loan status in Loan Hub. No one would email, text or call. When I brought this to the Loan Specialist attention she said that she did not look at Loan Hub and did not know how it worked. Imagine That. In the end the loan was never closed, because the Appraiser, hired by Capital One, did not turn in the Appraisal in time for closing. They then wanted to start the Loan Process all over with another "LOAN SPECIALIST.... Read More

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  • Lender Review
    from Mountain View, CA
    (5 of 5)
    Recommended!
    Reviewed:

    I like payment

    (0) (0)
    I like Capital

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  • Lender Review
    from Hoboken, NJ
    (1 of 5)
    Reviewed:

    Worst customer service

    (0) (0)
    My experience with capital one has been absolutely horrible. I have tried to give them the benefit of the doubt. The only positive experience was the loan pre-approval process. It was all automated and very fast, but I think this might be what led to the worst experience I've had in getting a loan. Once you accept their terms, they give you access to loanhub for uploading all your documents and communicating with your loan team. I have excellent credit that is between 760-800 depending on which bureau report you pull. I am putting 20% down and have proof of income for a very secure position. The problems start when you have no one to talk to. They list a bunch of documents you need, you provide them, and you don't hear back on whether they are acceptable to underwriting. They continue to ask for the same documents over and over again until you are finally able to explain it to someone if you are lucky enough to get someone on the phone. I have called numerous times and have been on hold for 20 minutes each time or left a voicemail that is not returned. I've emailed questions and I don't get a response. If I do get a response it is usually another form or question they need answered with zero answers to my questions. I've asked repeatedly if we will still close on time and if there are any other issues I need to close out. Nothing. It is the worst. I thought I was saving money because of points and interest rate and now I wish I never used them. Unfortunately, I am too far along in the process and can't switch, although I still doubt the loan will ever close anyway. Please, unless you are saving a significant amount of money, do not use them. It's very surprising because I have always loved their credit card products and have been a customer for years. I just can't believe this is how they treat customers. I really have no idea how lending tree has them rated at 4.4 of 5... Read More

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  • Lender Review
    from Las Vegas, NV Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    April 19, 2016

    Eugena Carpio review

    (0) (0)
    They were bery good as aloan company keep lower rates and I was very satisfied

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  • Lender Review
    from Santa Fe, NM Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    December 15, 2015

    Review

    (0) (0)
    Experienced and knowledgeable staff.

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  • Lender Review
    from Philadelphia, PA
    (1 of 5)
    Reviewed:

    Frustrating Loan Hub Experience

    (0) (0)
    I tried using this lender in late 2015. It was a terrible experience. We struggled through this from August to October. I was told that the paperwork process would be easy as Capital One Home Loans uses online technology (Loan Hub) to communicate with the customer. I was told I could upload all of our required documents via a secure site. We tried on three different occasions to upload our documents, but only some of them appeared on the website. We were told that some documents were missing, even after we received confirmation that the documents were received. The online process was not being updated by the company, so we did not know at times where we were in the refi process. The initial customer rep took my preliminary info and then I was sent to another rep who rarely answered my emails or answered with no suggestions to help us. When I told him that the site would not let us upload documents or failed to show that our documents were uploaded, he told me to contact customer service. When I called the number he provided, the customer rep did not know what I was talking about and said he was not familiar with the new Capital One Home Loans website. I truly never had a more frustrating experience and I do not like to write negative reviews, but I must state my frustration with this company. We were made to feel as though once they had our business (we were submitting all required documents) that we were nothing to them. Because this company seemed to lack customer service and someone who could take the time to explain why the electronic document process was so tedious, I had to withdrawal my request for a refi.... Read More

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  • Lender Review
    from Manahawkin, NJ
    (1 of 5)
    Reviewed:

    Find another lender!

    (1) (0)
    All required ppw sent in immediately, however not reviewed by processing area until a couple weeks before scheduled closing and delayed due to an insignificant technicality. We all had to sit at closing for 5 hours pending the incompetence of the loan processing area. Each of us (lawyer, title agent, myself) called my loan specialist numerous times for resolution. However, she (loan processor) wouldn't even provide us with a phone number to get things straightened out. I assume this is because she knew that she lacks the job experience to complete even the simplest tasks detailed in numerous emails that even a child could accomplish. . Even after the title agent explained the error, she managed to send incorrect disclosures 4 times. One each hour and refused to provide us with a phone number. My loan specialist informed me of $1000 toward closing credit which then suddenly expired upon closing. He stated that he would work with his manager to see if they could do something for us. However, after many emails on my end, we apparently dropped off your map. You would think that after everything we were put through, someone on your end would give us some type of credit. So much for Capital One making our home buying experience as ”less painful as possible.” I wish there was a rating I could use that is less than 1 star... Read More

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  • Lender Review
    from Pittsburgh, PA
    (5 of 5)
    Recommended!
    Reviewed:

    house loan

    (0) (3)
    Noelle Boeheme was great. She did everything possible to meet my loan needs.

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  • Lender Review
    from New York
    (1 of 5)
    Reviewed:

    Use another lender

    (49) (40)
    Don't waste your time and sustomer service is horrible. Their loan specialist are not specialist, training desperately needed.

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You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings - we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process - one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too - you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.