United Wholesale Mortgage Reviews

I inherited a mortgage from UWM. They have been absolutely miserable to deal with and not only because they've internally transferred the loan multiple times requiring new logins and refusing to provide documents and then denying receipt of documents. Awful. I used to think Verizon and Comcast and all health insurance companies were awful. UWM is now the most awful.

The first agent got the names wrong. 2 times closing was set up but couldn’t be done because of a wrong name. They eventually got it right. We decided not to go with them as they represented there self as someone else. We got a denial letter as the said we were asking to too much extra money. That was never part of the loan. I have documentation to prove what I write.

United Wholesale Mortgage's loan terms are currently requiring me to pay nearly $3,000 per month until July of next year, which is higher than I initially expected. I had anticipated catching up on my payments and then returning to my regular payment schedule. I am exploring other options and plan to consult a lawyer to review the paperwork they have not yet provided. I will be contacting them to request the official agreement letter that.

My Fiancé and I attempted to get a home loan. We both had great credit, we were putting a $58,000 down payment, only wanted a 6 month loan. so when my Home (my Home is in a gated community) sold, we would pay it off. We were buying a home for $584,900. The Mortgage Company wanted all original documents, no scanned or screenshots. We had to give them info about how we got the money; they wanted to contact the Companies, our banks, Pension Co.; current bank statements weren’t enough! Why were we taking a certain amount out each month? How long would that Fund last?

Horrible customer service!!! No one can get on the phone and no one to chat. And I'm trying to give them my money! I would change if I could, but I will make sure I NEVER do a loan with them.

I am filing this complaint to warn other consumers about the serious issues I have experienced with United Wholesale Mortgage (UWM). My mortgage forbearance has been handled with repeated mistakes, privacy concerns, and conduct that appears to violate both federal and Texas debt‑collection laws. Throughout my hardship forbearance, UWM representatives have given inconsistent information, failed to follow required CFPB servicing rules, and continued to call me daily even though my account was in an approved assistance status. Under federal law, borrowers in forbearance are not to be treated as delinquent, and collection calls are not permitted. Under Texas Finance Code §392, repeated daily calls are considered harassment.

I can echo what pretty much everyone else is saying customer service is terrible. I have to call them and tell them what my account balances should be. I feel like they’re incompetent. Can’t do math themselves. Sit on the phone with them for an hour when they try to see what you’re talking about then they say, "Yeah we’ll call you back by the end of the day." Of course they don’t call you back. It’s ridiculous. I wish I would’ve went with someone else. First chance I get to refinance with someone else I will.

The amount of time you spend trying to get problems fixed with them is better spent refinancing with anyone else. I am impressed by how such a terrible company can remain in business. I thought the VA was terrible. The purposeful lack of access to their customer services matches their lack of quality in maintaining the loan, after a misunderstanding with them I asked back in June to audit themselves to make sure I was paying the proper amount. No response and after waiting 30+ mins to get to a human, it's never the right department, they then will transfer you to a dead number that disconnects or to a number that never answers, or to another department that is still not the right department. If you somehow do get to a department that seems like its the right one, they will contradict the information you were given previously. I have been trying to get in touch with them for months and still haven't been able to the right people.

I had a mortgage w/ UWM for about 5 years and they were just horrible to work w/. First I had no escrow on my account but UWM kept trying to add it back (assuming so they can make more money off of me). And when you call them to resolve issues like this, it's a minimum of 1 hour of your time you will have to burn to make it through their automated system, clicking lots of different options, entering lots of information, just to speak to a real person who then again verifies all of the information you just entered into their automated system! So then UWM decided to sell my mortgage. That was a complete fiasco (still is, actually)!

I want to share my experience with my loan officer Joe **. He is absolutely amazing, responsive, professional and extremely caring when it came to homebuying process. He is truly a genuine and trustworthy person that I no problem sharing my testimony. He told me he would get the deal done and he did! Awesome! My forever loan officer!

Based on our experience, this lender and broker did not provide the communication, transparency, or support we expected during an FHA loan process. Anyone considering working with them should request a complete written breakdown of the required closing funds, reserve requirements, and debts that must be paid before moving forward.

If you're considering using this mortgage company, proceed with extreme caution. My experience was frustrating from start to finish. I was repeatedly given information that I later found to be inaccurate, including being told my first mortgage payment would be due in September. After closing, I learned the payment was actually due in August. I was also assured that I would receive updated closing documents before the loan funded so I could review the final numbers. That never happened. On top of that, the amount of cash I received at closing was substantially less than what had been discussed, leaving me searching for answers after the transaction was complete.

My loan ended up with UWM in May. They got the check and misplaced it. Finally found it and applied correctly. Went through address, etc. with them to make sure it was correct. Sent a payment in July. They processed it on July 13. Sent a letter on July 21 saying they had not received it. Took over an hour to get someone on the phone. Have to send documents from bank, again. This company is terrible!!

I am a 100% Disabled veteran and exempt from all property taxes. I have provided all the state, county and township exemption paperwork showing I do not pay taxes. I received a notice that they were raising my monthly payment by $700.00 per month to cover taxes. I sent copies of all documents again, called talked to customer service and all I get is “Well the Computer Says we have to change your payment”. Totally unprofessional and a scam company. I hate that my mortgage broker Koorman Mortgage Broker in Plymouth Michigan uses this company. Plus, Koorman has been no help either. I WOULD SAY NEVER USE THIS UWM OR ANY OTHER COMPANY ASSOCIATED WITH THEM.

Please sell my loan to a competent company. 18 months, countless wasted hours of my time trying to simply register my account so I can online pay. Every time their excuses have me jumping through hoops here and the same result, an error is received. I have been told several reasons for this and all different but still with no resolution. Every time you call in you never get the same agent or IT tech and have to go through the same cumbersome rigamarole once again. When they can’t fix it, they promise to call back, they don’t and eventually just close the ticket with no resolution.

ESCROW (Property tax) disbursement negligence and fraud administration issue, my address Coppell TX 75019. Loan amount monthly installment has been drawing since 2024 Dec 10th to till all the ESCROW amount hold on account and not payment City of Dallas and the city of Carrolton school district. Since Feb to June, I’ve received 6 consecutive delinquent letters from City of Dallas and the Carlton school zone. Several times I’ve been contacted UWM customer services and the Tax services regarding the property tax payment. The UWM are not paid. Finally June statement has shown the paid only tax not the city of Dallas penalty. The penalty to be paid by UWM mortgage company as UWM administration negligence.

I know that United Wholesale Mortgage (UWM) is the largest wholesale mortgage lender in the U.S. I’m also thinking that this very concise (for me) review of dealing with the company and its employees may be of use to some, however, I don’t think it will have any impact on the company as a whole. Having said that, this is the most backwards, inefficient, incompetent, and unorganized financial institutions I have ever had the misfortune of dealing with. My wife and I did a VA construction loan with UWM. VA construction loans do require a few extra steps to protect veterans, however, once everything had been cleared with the risk management company, the only thing left was getting the final appraisal done by a VA approved appraiser and processing the final paperwork with UWM. Yes, normal banks would have had this done within days, NOT UWM, no we have been waiting for over 6 weeks! Yes, 6 weeks and 3 days have passed!

UWM is one of worst mortgage lender. My house mortgage no ** I've very bad experience with this lender. My mortgage monthly installments are ongoing since 2024 Dec. ESCROW for property tax are deposited mortgage account $16980.00, since start, city of Dallas Carrollton-Farmers branch property tax department send delinquent later 6 times. I contacted several times. This bullshit company, uwm didn't pay the property tax. Every month penalty and interest add $895.00. How do you feel this harassment? I contacted January, February March April and finally May 2026. Bullshit tax team false explanation to me. I contacted several times. Customer service are false explanation. Like property tax account last 6 digit ** the representative tell me by mistake we've account no **. It's false. I was request correct and pay the property tax. They UWM didn't pay single penney. This is a stupid nature of company where I can contact to legal action.

These guys keep texting me and calling me even though I have asked them to stop. I even have text messages stating I have "successfully been unsubscribed"...only to get more texts and phone calls later. I'm even on the national Do Not Call registry! I have never and will never do business with such an unethical company.

Buying a house Mortgage was approved and after 50 on the day of closing denied the loan. You add 50 days to figure it out, completely unprofessional!

Illegally contacted me for advertisement purposes on my cell via text on my phone against State and Federal Laws. 47 USC 227 (5) specifically. "Unsolicited Advertisement" "Any material advertising the commercial availability or quality of any property or goods, etc..." If they'll break the law to solicit you, imagine working with them!

My experience as a borrower with United Wholesale Mortgage has been extremely disappointing. I was given false or misleading information multiple times, received conflicting answers, and had to constantly follow up just to get basic clarity. At least three separate instances involved information that later turned out to be untrue. Communication was poor, important details were not properly disclosed, and accountability was completely lacking. On top of that, their payment handling process is outdated and inefficient, including the inability to accept standard mobile bank deposits, which caused unnecessary delays and frustration. Overall, this was one of the worst customer service experiences I’ve had during a mortgage process. I would strongly caution other borrowers before working with this company.

I am writing to formally lodge a complaint regarding the handling of my mortgage application. I have experienced several issues involving privacy breaches, unreasonable conditions, and inefficient processing. 1. Unauthorized Privacy Breach and Contact. I explicitly stated that no one other than my broker is authorized to discuss my personal information or file details. Despite this, a member of your QC Underwriting team contacted me directly to question my living and rental situation. This contact was unauthorized and felt like a "sneaky" attempt to bypass the established communication channels.

We have had this company for 11 months. We receive 2+ letters per week regarding problems with our insurance coverage. Example we received letter dated 12/5 on 12/12 that all proof of insurance is up to date. Then on 12/16 we got letter dated 12/9 that stated since we have not provided proof of acceptable flood insurance they "bought" a policy and will escrow our account! When you call the person you speak to cannot readily help and have hung up on us before.

Your reps don’t like taking no for an answer. He called me stupid when I wasn’t interested. Way to run a business. Do you not screen your people before hiring? Do you support your employees name calling? Not very professional.

IMHO, this is the MOST incompetent mortgagor with whom I have EVER dealt with over the years (a LOT of years). At a time where there were fires and insurance fall-outs in CA, I paid my insurance so it wouldn't lapse. This company has some process where you write in and upload documents showing your policy. They are a MORTGAGOR!! THEY are supposed to be communicating with insurance and taxes. It's so time consuming to upload documents, etc. I did though, and informed them it was PAID. Notwithstanding, they then paid the insurance!!!! I then received a check from them AND from my insurance company. They then PUT A DEFICIT ON MY ESCROW because they paid a bill that I had ALREADY paid and then RAISED MY HOUSE PAYMENT!!!.

Do not do business with United Wholesale Mortgage. I have had nothing but horrible experiences with them. The highlights include them requesting my academic transcripts in order to get a loan with them. When I resisted, they left me a voicemail that I have saved saying they needed the transcripts because they were not sure I was qualified for my current job because I "used to be a cleaning lady". *I used to own a cleaning company, although I'm not sure that distinction matters, as people who work for cleaning companies should not be excluded from home ownership.

The mortgage brokers associated with this company are incredibly pushy and unprofessional. They offered terms in the initial call with us, then sent paperwork that did not match the terms. When we told them we were going with another broker, they began pushing, asking why, and we have continued receiving 5-8 calls PER DAY to sign with them AFTER signing up on the opt-out registry and telling them to remove us from their solicitation list. This is harassment, and they do not care.

I cannot say enough about this firm. From start to finish and waiting in between, the Professionalism and guidance I was met with at each step showed me that I chose the right broker. Any issues were addressed immediately which calmed my nerves during this process. I will say I almost gave up buying a home until I worked with my broker and realtor to perform a miracle.... Yes, I am very happy with the business I did with this firm.

Worst Mortgage company I have ever had to deal with. Rude/unhelpful managers/staff. Hard to pay mortgage online. They transferred my mortgage between depts, couldn't pay mortgage because they were not setup to take my mortgage due to their internal transfer. Highly incompetent management, who is unwilling to assist. They try to force you to send a certified check even after a successful payment through their portal. RUN do not use this company! I wish I would have NEVER used this mess of a company. Do your research and search what they are being sued for.

Completely mishandled our escrow account. Notified them multiple times they were not holding enough money for our taxes. Sent in updated increased taxes multiple times Eventually started adding in extra myself. One month before the new lager tax bill was due they sold the loan and new lender had to increased our payment to cover their shortfall.

I am in the process of trying to contact UWM to create a claim to endorse an insurance check to replace my roof on my home. The woman on the phone said she couldn't verify my information because she couldn't pull it up on her screen so it would be about 30 minutes. I asked her if she would call me back - since she had already asked for a good contact number for me. She said she would call me back with information That was over an hour ago. I guess that's not going to happen. It took me at least 20 minutes just to get to talk to a person. Most of their phone menus just send you in an endless loop and then hang up on you. Good luck if you ever need help with something.

The worst mortgage company I have ever dealt with. I agreed to a mortgage recast and made the required payment. They sent me a modification agreement, which I signed, notarized, and returned along with a service fee. That was 7 months ago—and they still haven’t applied the change to my monthly payment. Despite countless emails and phone calls, no one has been able to give me a straight answer. Instead, I continue to receive extra charges and no resolution. This experience has been so stressful and frustrating that I’m seriously considering selling my home just to get away from this company. What they are doing feels dishonest, misleading, and possibly illegal. Avoid this company at all costs. They have no regard for their customers and zero accountability.

Terrible. Harassed me for an hour. Sent me over 15 text messages and called me non stop. Daniel, Senior FHA/VA Specialist is a straight up LIAR. He will tell you anything he thinks you want to hear. Do NOT trust this person or this Company.

This is the second mortgage company I've had. They have the worst customer service I've ever seen. They don't put any notes on the account, when you try to write to them they disconnect, the fact that I have to make payments with them is a headache. After two months I'm still dealing with the first payment issues. A terrible company, I wouldn't recommend them to anyone.

06-08-2025 It is with great pleasure that I'm taking time to write this review. My first contact by phone was with David ** (UWM Presidents Club Loan Officer) followed by contact with Sandra ** (one of their top Loan Processors). My HELOC request was very unusual, and I had been turned down by five other HELOC loan companies despite having been the homeowner for over 20 years with ample equity in my home. David and Sandra quickly came through for me and worked diligently to overcome my unusual legal HELOC request. Because of the hard work provided by David and Sandra, I received my loan proceeds in a most timely manner and I am very grateful for everything they did for me. If you need prompt, diligent and courteous service, please contact David and Sandra at the UWM Troy, Michigan office.

I refinanced and ended up with this train wreck of a company. If you don't get endlessly lost in their phone tree, never to get a solid answer, you'll be happy to know that when you do finally get someone, they have no idea what is happening, they'll suggest to transfer you to a different department and then hang up. I've been trying to get someone to help me on the phone for weeks and I continuously get shoved around a phone tree. They also will let you lapse in insurance without any notification until they give you a "final warning" in the mail. But good luck getting an answer on why they don't have your insurance already, seems as if no one actually does work here nor do they actually want to help.

They will tell you anything to make the sale and take advantage of those who do not fully understand just to benefit themselves. Definitely do your research ahead of time and trust the reviews. I was recommended to this company from a family member trusting the process with only doing minimal research (terrible decision I know) as it was a rush decision based off of current living conditions at the time which in itself is my mistake for not putting in proper research but I was guaranteed a refinance within six to 12 months and that did not happen (after a bit of research I found out there's no feasible way that they can try to guarantee that) and then more recently they called me and said that I was approved for a refinance again and after 2 to 3 hours of doing the whole process all over again they tell me that I cannot get a refinance. I am still trying to figure out why they would even waste the time to send me that message Saying it was available if it wasn't true.

UWM: A Cautionary Tale for Loyal Brokers. As someone who has worked with United Wholesale Mortgage for over 15 years, it pains me to say this—but it needs to be said loud and clear: UWM has completely lost its way. There was a time when UWM stood for innovation, support, and broker empowerment. Those days are long gone. What we have now is a shell of the company I once trusted with my business and my clients. The service has steadily declined to the point where it’s almost laughable—if it weren’t so damaging to the brokers who still rely on them.

I had a frustrating experience with [Mortgage Company Name]. Every time I contacted customer service with a question or issue, they either couldn’t help or give me a clear answer. It felt like the representatives weren’t trained or didn’t have access to the information I needed. They don’t know nothing. Stay away from them. They won’t help you if you do have any problem with their application or you would like to ask any questions regarding your mortgage.