United Wholesale MortgageReviews of uwm.com

What a disgrace of a company. The mortgage consultant Joshua destroyed my credit score and pushed me back in debt and my house may be foreclosed because of him. All because he made false promises into refinancing my home. Never go to that man for refinance or do anything with this company! Run away!

I refinanced my home with UHM in December of 2025 my loan officer was Douglas Cory my payments went up to 1073 dollar a month I was paying 631 dollars but it took cash out I said this payment was to high Douglas told me I could come back In 6 months and refinance and get a house payment between 850 to 900 dollars with little to no closing cost so now we are in July trying to do the refinancing and I have another 18,000 dollars in closing cost and a payment of 1,178 dollars i was lied to so I'm screwed so I must find another way with someone else to get my payments down this is called bait and switch wish I had never refinanced with them. Odell Terrell

They partnered with Bilt. This is terrible. I can no longer manage my mortgage without going through the bilt portal. I will not. I would rather find a new lender, it's worth the cost.

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! If you call UWM, you will be bounced around different departments, asked to verify your identity for each department, because you are always blind transferred, I have not experienced anything less than four transfers in one call. Once you finally get to the correct “department” an employee looks at your account and tells you it will be 5 to 7 business days, because they need a document to clear, or you are 3 or 4 on the employees list for that day. Understand that I called and talked with one employee that said I was the third person on his list for the day, this was at 9:30 am, the employee told me I would receive an email later that day. Never received that email. Another example of UWM’s incompetency, the VA approved appraiser, UWM reached out once, by email, did not receive a reply, after not receiving the phone call from the appraiser when I should have received it with a week, I called UWM, they said they had not received a reply from the appraiser, I asked the supervisor of that department, Did you follow up with the appraiser, by phone, another email? The answer was NO. I called the appraiser and set the appointment and then called UWM to inform them that the final appraisal would be done and uploaded that week. UWM has told us that some of the delays were due to someone within their company questioning a photo taken during the first final inspection. Our builder is/was very honest with us, our build manager told us the house missed 4 items in the first final inspection, the builder fixed the items, the house was reinspected the next day and we did our final walkthrough the following day. The risk management company has already certified that the house IS MOVEIN READY. No defects, nothing that should prevent us from moving in. Why does UWM feel the need to go back a do repeated work? It really makes you wonder, UWM is the largest wholesale mortgage lender in the U.S. so, if my wife and I are just one loan that they keep delaying, how many others are they doing this to, and much profit is UWM making on the interest? It took over 6 weeks, yes over 6 weeks! and us filling formal complaints with them, the VA and several financial protection agencies for UWM to do their job!

Absolutely horrible to deal with. They ask for things already provided to them. It’s hard to get through to a person, and when we do, it’s a so called human robot who will just “update the notes.” Once a payment is made, something will arrive in the mail over a week later asking for payment. They will ask for insurance that was already provided, then send a letter that they don’t have the insurance. Complete mess of a company. Stay away from using them at all costs! Been dealing with their crap for approximately two years now.

Worked through an assumption for 2 years. Finally got close to the finish line and they sold the loan. The gal in assumptions didn’t even know

Incompetent company - AVOID!!! I refinanced my VA home mortgage to United Wholesale Mortgage, which outsources servicing to Cenlar FSB. That decision has been a nightmare I’m still living nearly 3 months later. From day one, Cenlar claimed my verified bank account was incorrect — the same account I verified through their own system on UWM. After multiple failed attempts to make a basic payment and useless customer service calls, they froze my account and demanded certified checks. My bank issued them. They were delivered and signed for two weeks ago. Cenlar has still done nothing with them. In the meantime, they have assessed over $500 in late fees for a delinquency that is entirely their own creation, and they have now reported my account to the credit bureaus as delinquent — for payments I have been actively trying to make since day one. Impacting my credit score SEVERELY. Customer service has been completely useless at every level. No one takes ownership, no one escalates, and nothing gets resolved. They also have been making attempts to take down my review (this is the second one). I have now filed formal complaints with the CFPB, the VA Loan Guaranty Service, and all three credit bureaus, and I have submitted a Qualified Written Request under RESPA. If you are a veteran considering UWM for a VA loan, understand that Cenlar is who will actually be handling your mortgage — and their track record speaks for itself. Zero stars. Avoid.

I’ve had an extremely frustrating experience with this company. Communication is consistently poor, important updates arrive late (in one case, I was notified of a service change only 15 days before payments were discontinued), and information is often vague or incomplete. Customer service has been equally disappointing. After numerous calls, it feels like unhelpful, aggressive, rude and dismissive behavior is not the exception but the norm. It genuinely comes across as a company-wide culture rather than isolated incidents. Managing escrow and insurance through them has been particularly difficult, confusing, inefficient, and unnecessarily stressful. At times, it feels like you are chasing them for basic support while being treated as if you are an inconvenience. The only positive note is that the servicing of the mortgage has been eventually transferred to a different provider, which I see as a much needed improvement. Overall, I strongly recommend staying away. This has been one of the worst customer service and company experiences I have had.