Ethos Lending

They Have Unprofessional, Rude People

Terrible! Don’t use Ethos Lending. Waste of time. They use kairos appraisers who are a bunch of crooks. They have unprofessional, rude people working for them.

My appraiser was arrogant, unprofessional and incompetent.

I live in NJ and the real estate market in my town has been increasing for a few years now.

My appraisal came in 150,000-200,000 lower than the Comps in my area and what Zillow,

House values and real estate agents value my house at. Even my house value according to my taxes from 2 years ago is 100,000 more than what my house was appraised at.

The appraiser walked around my house making rude comments about my dog who was on a leash and told my 10 year old daughter to get off xbox and play outside.

Unfortunately I’m out $500, lost a loan and the only phone call I received from agora was a whiny sorry nothing else I can do.

Agora does not care about their potential customers and did not make this an easy process.

Wasted my time and my money.

Is Ethos Lending a legit?

Ethos Lending is not running a legit business. They are not aggressive towards customer satisfaction and complaint grievance redressal, Hence 26 consumer[s] submitted negative ratings, and only a few left positive feedback.

Where is Ethos Lending located?

Ethos Lending is headquarted at 222 Kearny St Ste 650 San Francisco, CA 94108. You can contact Ethos Lending by dialing (415) 780-7400 or visit their website ethoslending.com.

How much monetary loss is incurred by Ethos Lending’s customers?

According to Ethos Lending’s customers, a monetary loss of US $4332 has been reported. The severity of entire incident reports is medium.

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26 Reviews on Ethos Lending

  1. I am very happy with what I have seen thus far.

    This lender has really done a good job of using technology to speed along the whole loan process. I am very happy with what I have seen thus far. My rep Rohan is awesome.

  2. I would highly recommend him and Ethos Lending to anyone.

    Ethos has the Best Account Executive in the Mortgage Business! I’ve closed multiple loans with Shelby Hicks and I’ve found him very knowledgeable and friendly. He is very good at helping us navigate through Ethos’s systems and the underwriting process. I would highly recommend him and Ethos Lending to anyone.

  3. I am very pleased working with Ethos Lending.

    I am very pleased working with Ethos Lending. Their great service, competitive rate and easy process had always helped closing my loans in most timely manner.

    I am also very happy with my AE Trinh Bui, she is the best and always go the extra miles when I need help. Ethos lending has always been very high on my list and I highly recommend to all mortgage brokers.

  4. Their rates are excellent and everyone we have worked with wants to help make loans work and help our clients close.

    I am mortgage broker that has worked with a lot of lenders in almost 15 years in lending. We have seen the good, the bad, and the ugly. Ethos does a nice job.

    Tyler Ermisch our rep works VERY hard to help our files move through and close in a timely manner. Their rates are excellent and everyone we have worked with wants to help make loans work and help our clients close.

  5. Their rates are excellent and everyone we have worked with wants to help make loans work and help our clients close.

    I am mortgage broker that has worked with a lot of lenders in almost 15 years in lending. We have seen the good, the bad, and the ugly. Ethos does a nice job.

    Tyler Ermisch our rep works VERY hard to help our files move through and close in a timely manner. Their rates are excellent and everyone we have worked with wants to help make loans work and help our clients close.

  6. Be patient, the days of simple quick and easy financing no longer exist!

    Refinancing a home can be difficult/complicated……but Ethos was able to provide the best rate available and get the refinance done! Yes, it required extra and more detailed documents and a little more time.

    Ethos extended the rate lock to keep the low rate. I was originally frustrated with Ethos and the process, however I’m pleased with the end result. Be patient, the days of simple quick and easy financing no longer exist!

  7. As someone else had said on here

    As someone else had said on here, right before the loan close expected date everything changed. All my lending credits disappeared – $4000 worth – but the interest rate stayed the same (EDIT: I discovered there was a mistake on my part on the rate).

    They kept asking for more and more paperwork and were unresponsive when given the paperwork they requested and if they needed anything else. Every time I got a disclosure it was different than the original one.

    All of this changed AFTER the appraisal, which is a subsidiary of Ethos BTW and they would not refund my appraisal fee (since I believed they were dishonest with their initial disclosures).

    Ultimately it was just a refinance so I walked away after they changed everything. I would definitely feel for someone if this was a new purchase and this happened to them.

    EDIT: I spoke with someone at Ethos and they cleared some things up. Ultimately I did not take the loan, but it helped that they followed up so I will raise the rating up to 3.

  8. Worst experience ever.

    Worst experience ever. My loan finally closed about a month ago, late, not as expected. I found out yesterday that they fired my broker because they were too noisy. Yes, the elite Ethos leaders fired my broker for their mistakes and problems. I can’t imagine this company will be around for long.

  9. STAY AWAY!.

    Ok Guys! If you are out on the market for a mortgage loan and you hear the name Ethos lending, Just stay away from this company. I recently closed my loan with them and had a terrible experience. STAY AWAY!.

    They intentionally delay the process and then did not honor the rate lock period. To make the situation even worse, they delayed the funding for 3 days. Please take time and review the comments before you choose this lender for your mortgage needs.

  10. stay away.

    Our story is pretty much the same as everyone else’s that you read here. Bought into a really good interest rate and low fees only to find that Ethos would keep throwing up delays and excuses until the lock ran out. They charged us to lock the rate for 45 days and then made sure we could not close within that window of time…

    so they pocket the fees and then offer to close at a higher rate. It feels like I really got scammed. Either they lied, or my broker lied, regarding the appraisal fees because the appraiser showed up and told me what he was charging and they were charging 50% more than the appraisal was actually quoted.

    If you read the reviews and multiply the fees and upcharges by the number of loan applications they get, they probably don’t even need to underwrite any loans as they probably make a killing on fees they get to keep for not writing the loan. My opinion, stay away.

  11. We will NEVER EVER do any loan or refinancing with Ethos Lending.

    They retracted the loan preapproval a few days before closing escrow for the reason that they did not believe that we will move into the house that we were buying. They wanted to offer us instead an investment loan with much higher interest rate and downpayment.

    This was very inconvenient to us since we had to find a different lender and we had to delay the closing of the escrow. We will NEVER EVER do any loan or refinancing with Ethos Lending. We also lost about $500 for the appraisal that we paid for this lender.

Reviews: 26
Reported Loss : 4332 $
Severity : Medium
Reported by : Anonymous
Views :