United Wholesale Mortgage

These individuals have poor customer service and treat you very disrespectfully. Stay away from them; it's terrible.

I had to give a star, or it would be 0. The fact that your representative sent me a text then called me stupid definitely ensures I won't be doing business with this type of company.

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.
Their site says, "when you work with a mortgage broker who works with us, you and your buyers will get an experience unlike any other," and they are right! This has been the most miserable week of an already terrible 2025! They are pushy, argumentative, and relentless, even after being told we are working with someone else.

UWM failed to pay property taxes, even though they demand escrow payments to cover taxes and insurance. This has been ongoing for at least a year. UWM customer service is entirely insufficient. I got kicked out of the online chat and cannot get through to an actual human being on the phone. The online chat agent made it seem as though we were at fault, even though we paid the exact amount of each mortgage payment on time, which includes escrow payments. Now we face tax delinquencies. UWM should not require escrow accounts if they cannot perform the functions required.

The worst customer service in the world, backed by the worst phone system. I wish upper management was required to try and navigate the phone system and to speak to a human being. It's actually comical. Run away from this institution.

I'm a mortgage loan originator working for an independent broker, and United Wholesale Mortgage's (UWM) marketing tactics are over the top. Now they use phone spoofing to make it appear as though they're local to your area to try to trick you into taking their call. The account executive (salesman) in Pontiac, Michigan, called me, and the number showed up with my local area code. To me, when a mortgage company resorts to such shady marketing tactics, it's hard to trust them and makes me wary of sending clients their way. I called the guy out on it, and he seemed surprised. I mean, that just adds another layer of disrespect, not just to customers but to their employees as well.

Exceptional performance by employees. Very careful and understanding of our needs and concerns. This company has gone beyond their call of duty to resolve my concerns. I will recommend everyone to use them, specifically people who are near and dear to me.

UWM attempted to charge private home insurance a year after they were provided with a verified active policy. They also refused to accept my ACH payment and would only accept a cashier's check or wire transfer. Upon calling United Wholesale Mortgage to resolve the issue, I encountered a runaround for over an hour after enduring 20 minutes of automated prompts.

Worst experience! I have sent proof of insurance 8 times and they have never updated it. I have emailed and uploaded it on the coverage website and nothing! They continue to tell me that I do not have coverage and that they will purchase it for me if I don't update it. You cannot call the phone numbers and speak with a live agent, and the chat live agent says they cannot upload insurance and could not even give me a phone number to call. Terrible!

Terrible experience. I've had several loans at this point. I just refinanced into a new loan with UWM, but there's an old loan that was paid off years ago. Now, I am unable to log in to make my first payment. I have talked with several people, and nobody seems able to help. Horrible customer service. Will not use them again.

Worst customer experience I've ever had with a mortgage company. I will never use them again. They did not properly set up my online account, and it took weeks to resolve, as well as countless hours on the phone trying to get someone to help me. 0/10 would never recommend.

They don't explain charges sufficiently from the start, and they won't allow changes on the day payment is due. Although they do answer calls, their representatives can do very little.

Their website is great! Everything else has been terrible, so far. They bungled the county property taxes. When I got my tax notice, there was an indication that UWM had not reached out to my taxing authority to get tax information. Long story short, after four phone calls and two emails to them, I'm on the delinquent tax list and I'm not any closer to getting my taxes paid. I've been begging them to pay them for over a month; they keep saying that they're evaluating the situation. The money is in my escrow account, they just need to pay the darn taxes! Their customer service is much like talking to a brick wall, useless.

Zero stars. UWM makes Wells Fargo look super stellar from my experience. Their customer service representatives may as well be bots. They're useless and not trained to think, analyze, nor provide solutions. They are only trained to screen every call and read what's on the screen. That's their pathetic job. It doesn't matter if it's inaccurate; there's nothing their customer call center is equipped to do, and any escalations are sent into a rabbit hole with no return.

For almost a year now, their portal has been off, inaccurate, and misleading. Of course, the customer service representatives are seeing the exact same thing, so it's a cycle of errors, misinforming customers, inaccurate credit reporting, incorrect calculations, and improper placement of funds, along with accruing interest. Most people get exhausted and walk away from UWM exhausting lack of service. Well, not me. I hope someone files a class-action lawsuit against them, and they are shut down indefinitely. Their slogan is, "where they make lending easy". They're not customer focused AT ALL.

I am writing this review, hoping to prevent someone from enduring the experience I had with United Wholesale Mortgage. My closing was rescheduled three times because United Wholesale Mortgage kept requesting documents at the last minute, even though I promptly provided everything they asked for.

Each time they requested documents, the broker would say, "They said that's all they need," only for us to have to send additional documents a day later. The closings on 9/27/24 and 9/4/24 were canceled, and the 9/7/24 closing was rescheduled from 10:30 am EST to 2:30 pm.

On 9/6/24, my pregnant fiancée, our four-month-old baby, and I drove 12 hours to Raleigh, North Carolina, to close on our Wendell home with an $11,000 cashier's check. We were told we would be clear to close at 12:30 pm on 9/7/24. However, at 11:30 am on the day of closing, merely three hours prior, we received a phone call stating we were being audited for quality control.

I had to be at work by 2 am the next day (10/9/24) and couldn't afford to miss another day because I'm an owner-operator for a trucking company in New Jersey. I had already called out at the last minute to travel to NC for the closing, not to mention the missed workdays on 9/27 and 10/4 when I thought I was closing.

Since we were assured we would close, I only booked a hotel for Sunday (9/6/24), planning to drive back home after the closing on 9/7/24. Consequently, my family and I had nowhere to go for hours because our hotel room, and every room there, was fully booked for 9/6/24. We waited in the lobby after the mandatory 1 pm checkout, as all other hotels we called were also fully booked.

My fiancée persevered and finally found a hotel available for about $300 a night. After discussing with the auditor, Evan Nicholson from UWM, the reason for our audit just three hours before closing, he seemed indifferent, claiming it was random and affirming we had done nothing wrong.

We consulted our lawyer and decided to walk away from our new home on principle because not one professional—including the broker, sales agent, builders, new lending company, and lawyers—had ever seen anything like this before. They all concurred it was not random and expressed that they, too, would have walked away on principle.

We can always find another home and a new lender, but we can never get another chance to stand up for ourselves against UWM. Remember, your principles are more important than any material possession, so never allow anyone to squander your time by toying with your family, time, money, and livelihood.