United Wholesale MortgageReviews of uwm.com

Spent over 100 days in underwriting to have them decline my loan. Also Lend a Loan was the broker. I went through New Rez my current mortgage holder for the refinance and was closed in about 30 days. United wholesale mortgage is terrible and I'm glad I didn't get stuck with them. Just read the other reviews.

They bungled my paperwork when I refinanced into their company. They didn't have a W-9 for me on file (A government document that just has my SSID, and a signature). They have my social on file, but because this document was missing they locked my account. They couldn't accept it via email, whatever. So I had to mail in the document. it's been over a year since I've had access to my account. My escrow changed and I can't see my own account. THEY'VE HAD MY SUBMITTED PAPERWORK FOR 21 DAYS AND THEY STILL HAVE NOT PROCESSED IT. I'm talking, they have received it and it's sitting on someone's desk, somehow they know they have my paperwork, but they can't unlock my account. I want to leave this company so bad. Don't get me wrong, the people on the phone are nice, it's not their fault. 10/10 phone people are just doing their job. The organization itself is worthless.

Third attemp to write a review that trustpilot site won't delete or hide because trustpilot cares so much about the truth. In short, go with UWM at your own risk. Let's see if trustpilot will allow this one.

Extremely hard since they moved to bilt. Can't see a single document. Looks like some high school graduate built that website. Paid off PMI and they continue collecting pmi payments for 3 months until i called and have them removed. They didn't send any letter about escrow for 6 months and boom my mortgage payment increase 750 a month. Horrible. Can't wait to refinance and choose the different mortgage company.

Was with UWM for almost 3 years never late never missed a payment. They moved to BILT no payment information in there no scheduled deductions my UWM login showed no information. Refinanced with another lender and UWM STILL deducted the mortgage even after the loan was paid in full. Now I been calling for a month for my refund. First check was mailed July 2nd never came promised calls back never happened a manager said he would request stop check to refund direct deposit now that manager no longer with the company LIE! Now the check was mailed July 24th but I thought it was mailed on the 2nd??? Can't give me tracking# or even tell me the check#! A manager will call me tomorrow another LIE! Been told that before company is fraud and a joke no accountability no customer service just playing a bunch of games! Like im stupid

UWM transferred our mortgage servicing to a third party but still own it (I Think...loan number has changed and I can't talk to anyone but they say they still own it...their automated system just sends me to BILT). BILT is the third party. BILT uses two other third parties (4th and 5th). They use Method Financial to pull all of your credit information to try to make you sign up for lousy reward program crap and to sell/share your info with 6th, 7th, 8th...etc companies to market and sell to you; and they use PLAID (the same PLAID that had to settle a 58 million dollar class action lawsuit in 2022 and had a data breach in April of this year) if you want to use your checking account to make your mortgage payment. The Bilt website had all of my credit cards on their site in my "wallet" the first time I logged in. Who knows how many companies now have info I never wanted to share due to UWM. I DONT NEED ANOTHER REWARDS PROGRAM. All I want to do is manage my mortgage. How did UWM think this was a good idea. SO FRUSTRATED. I HIGHLY RECOMMEND NOT USING UWM UNLESS YOU HAVE TOO. To bad, I really liked my mortgage broker.

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.

If I could give United Wholesale Mortgage (UWM) zero stars, I would. As an active-duty U.S. service member, I have faced deployments, government shutdowns that delayed my pay, and life-threatening situations overseas. While deployed to Bahrain during periods of regional conflict, I was taking cover from missile and drone attacks while trying to ensure my family back home was taken care of. The last thing I should have had to worry about was whether my mortgage company was giving me accurate information. Unfortunately, that is exactly what happened. My experience with UWM has been defined by confusion, inconsistency, and a complete lack of accountability. Every time I called, I received different answers from different representatives. One employee would tell me one thing, only for the next representative to completely contradict it. I found myself constantly calling back just to verify whether the information I had been given was even correct. No homeowner should have to fact-check their own mortgage company. A mortgage is one of the biggest financial obligations most people will ever have. Providing inaccurate or conflicting information isn't just an inconvenience—it can damage your credit, cause missed payments, create unnecessary fees, and potentially put someone's home at risk. When you're dealing with people's homes and financial futures, there is no room for this level of incompetence. What was most disappointing was the apparent lack of understanding or concern for military members facing extraordinary circumstances. Rather than offering clear guidance or consistent support, I was left to navigate an endless cycle of misinformation while serving my country under some of the most stressful conditions imaginable. Customer service should be built on professionalism, knowledge, and accountability. My experience with UWM reflected none of those qualities. Instead, I encountered representatives who often seemed inadequately trained, inconsistent in their guidance, and unable to provide reliable answers to straightforward questions. I rarely write negative reviews, but I believe consumers deserve to know what they may be walking into. A mortgage company should provide peace of mind—not create additional stress and uncertainty. Based on my experience, I cannot recommend United Wholesale Mortgage. If you value accurate information, competent customer service, and confidence that your mortgage is being handled correctly, I strongly encourage you to carefully consider all of your options before choosing this company.