United Wholesale MortgageReviews of uwm.com

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.

I would give this shady company a ZERO star if I could. I have had nothing but problems with them. They ruined my credit score by no processing my loan in a timely manner. In addition when I officially sent them a cancelation and intent to withdraw document they sat on the document the day before Freedom Mortgage was about to pick up my loan they erroneously process my loan and paid my previous lender. I am not kidding when I say it took me months YES months to get a hold of the right person in UWM to fix mortgage. I was force to stay with the company for 6 months. I took legal action to get away from this lender. If you are thinking about using them think twice. Do your research.

Stay away from this mortgage lender. They are late on sending out insurance escrow and really bad communication. They rely on automation and you can never talk to a real person!!!

Kept trying to raise the loan amount when it was previously agreed on a lower amount. Was supposed to get the 2 first month's with no payment but they lied on that. Then lied about the amount in my escrow so I would sign. Called multiple times to try and get it fixed but never got back to me. Go elsewhere if you want to keep your sanity and money. AVOID SEBASTIAN MALLOIAN

I got my mortgage through UWM a year ago and the process was very straightforward. I went through a broker and they did all the heavy lifting. The only hiccup I had was the appraisal kept cancelling and with my rate lock expiring, it made things very close to the deadline which I did not appreciate. That being said, this was the cheapest rate I received by a large amount.

United Wholesale Mortgage makes it out like it is such a great place to work. 18 reviews and a 2.2 star rating should SAY MORE THAN ANYTHING out of 5 star possibly. They are currently hiring but also letting people go like recycling. Just know it is such a dead end job with a half dollar raise which already change people from one department to the other and require a 11am-8pm shift. Make more at McDonald's then employees working on home loans as they sell mortgages with owner building a mansion on a lake and purchasing the Phoenix Suns. Brother has plans to purchase a baseball team and security escorts employees out.

these guys are crooks simple as that. they will pretend to not receive important documents you send them. they will pretend to start processes and not actually start them. they have massive disconnects between different departments, and generally speaking they WILL NOT have your best interest in mind.