Monday, November 9, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
136 reviews
Sebonic FinancialSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Sebonic Financial is a nationwide direct mortgage lender that provides modernized home financing solutions. As a trusted industry leader for nearly 30 years, Sebonic upholds the fundamental belief that top-notch customer service is key. Using a unique combination of proprietary technology and human expertise, we’re making the complicated process of obtaining a home loan simpler and easier.Reliable. Realtime. Reinvented. Sebonic has the home financing you need at the speed you deserve.
Sebonic Financial (sebonic.com) has 136 customer reviews on The Fair Hearing, with an average rating of 4.1 out of 5.
Showing 101 reviews with 5 stars · Clear filters
The process with Sebonic was pretty easy and painless. The staff assigned to the loan application were very responsive and answered questions and addressed a couple of what seemed to be software glitches. The rate and terms were very competitive.
By David S.
Response from Sebonic Financial· Feb 11, 2022
We love to see this, David. Thanks for your review, and please keep Sebonic Financial in mind for future home financing. We're always here to help!
We wanted to refinance our home. Shawn Croat done an outstanding job staying on track with getting our loan closed in a very timely manner. He was always available to answer questions. Will definitely recommend!
By Stephanie P.
Response from Sebonic Financial· Feb 11, 2022
Wow, that means a lot to us, Stephanie. We’re so grateful for your business and the opportunity to serve your referral as well!
Awesome company and very professional and also extremely timely
By JL P.
Response from Sebonic Financial· Feb 11, 2022
Thanks for your review, JL! Be sure to keep Sebonic Financial in mind for all of your future home loan needs!
Shawn was great! Wonderful service and did a ton of application work from the docs I supplied. Sebonic used the latest and greatest technology and waived my application fee.
By Matt
Response from Sebonic Financial· Feb 11, 2022
We love to see this, Matt. Thanks for your review of Shawn and the Sebonic Financial team. Please keep us in mind for future home financing. We're always here to help!
It was an easy process and every time I got a question or not clear information Shawn Croat was very helpful to walk us step by step.
By Cristian
Response from Sebonic Financial· Feb 11, 2022
That is great to hear, Cristian. We'll pass your review up the chain to make sure your LO gets the credit they deserve. Please let us know if there's anything we can help you with in the future!
The loan process was great. Shawn Croat did an excellent job servicing our refinance. I would recommend him to anyone I know.
By Brad S.
Response from Sebonic Financial· Feb 11, 2022
Thanks for your feedback, Brad! Sebonic Financial takes pride in providing excellent service and we're thrilled you were happy with your experience. We appreciate you having the confidence in us to refer our services.
Hello Mandeep Brar here.My Loan officer was David Steel. He was really awesome with whole process. Really patient and hard working guy. He made refinancing for us such an amazing and smooth experience we never had before with any other lenders.GREAT RATE and GREAT SERVICE.
By Mandeep B.
Response from Sebonic Financial· Feb 11, 2022
We love receiving this kind of feedback, Mandeep—thanks for taking the time to share with us. We look forward to serving you again in the future!
Since the interest rate I was offered was SO GOOD, I had thought Sebonic was kind of a low-budget operation and would skimp on customer service. Instead, I found that I could get someone on the phone whenever I needed, and they knew what they were talking about! I was very pleasantly surprised. The one thing that was less than optimal: After my loan signing, some days went by and I was wondering when and how I would be asked to pay the closing costs. Then, on a Friday, I got two emails from a Title company asking if I needed instructions to wire them this money. I was working that day, so was not monitoring my personal email. I contacted them Monday, and they told me they had to have the money wired to them that very day! I had to call in sick and go to the bank instead of to work. Of course, this Title company was not Sebonic, so I don't really blame Sebonic for this less-than-ideal experience. But if Sebonic had explained to me ahead of time how the payment would happen, that would have been good. But overall, really, Sebonic was great!
By Mahlon D.
