United Wholesale Mortgage Arvostelua 

Stay away from UWM, they're not trustworthy. UWM used false numbers regarding tax information in my escrow account, misrepresented monthly payments, and in addition, customer service has avoided me for over a month as I try to rectify the problem. This falsely advertised rate and mismanagement of escrow funds inflated our monthly payment by 20%. This appears to be a pattern with them. DO NOT USE UWM

Eventually vista recon's got back all my loss and i regain my freedom beware of these goons

Stole 11K from me!!!

They are the worst customer service reps and system I've ever seen in my life. Defensive reps who do not care about helping you, they care about following their workflows and meeting quality metrics.

Their servicing department SUCKS. I have had my mortgage with UWM for the last 5 years and never had 1 late payment. I was out of the country for 3 weeks and received a notice while I was gone that they had not received my Sept payment. I checked my bank account since I had scheduled the payment prior to my trip and the payment had cleared so I figured it was a mistake and I would take care of it when I was back in the US. I called them my first day back (2 days into the following month) and was informed that they changed the servicing to a new department with UWM and that I should have received a letter. I told her I didn't receive any letter. She asked if i wanted to make the payment over the phone and I said yes as I wanted to get this rectified right away. I asked her if I would be penalized with a late payment and she said yes and too bad they wont do anything because I should have received the letter. I again reminded her that I never received a letter and that I, again, have never had a late payment and that the only reason I now have a mortgage late is due to them changing the servicing address to a different address with UWM and could I get an exception due to the circumstances. She said no and that they are in compliance with RESPA by sending the letter and thats all they will do. I made the payment over the phone that day and also updated the payment information that day in my online banking and sent the payment for October as well. I asked for a supervisor since she was completely unwilling and apparently unable to help me. Again, sat on hold for ages only to be told that the supervisor was not available and was dealing with important clients (apparently I don't qualify). I said I would hold and she said no she will not allow me to hold and that the supervisor would call within 48 hours. 5 days later still no call so I will call back and probably get told the exact same thing. I am so sick of companies like this who can't look at the real situation and make a human decision when they can clearly see my payment history and it's obviously due to their servicing change. I inquired immediately and paid immediately obviously with the intention of staying current. I am so sick of companies so big that they completely lose the ability to make a human decision and their customer service sucks. I will never allow my broker to send my next loan to UWM after this experience. DO NOT RECOMMEND

I would give zero stars if possible. They will lie to you and harass you relentlessly. Refusing to respond or let you speak to a supervisor. Run run away.

I have been with uwm for about nine months. They sold my loan to another division in uwm. I now have to pay through bilt. Somehow during this process. They lost all my contact info. After 58 days I notice a ding on my credit. I have good credit, so I start digging. They stopped my auto payment and I was one month short. But they always waited 30 days to apply the next payment. So it was always late, my mother got a certified letter in the mail. Iam in collections. So I call to make payment. I go to use my credit card. They refuse payment, says it is because it is late. If it was on time they will accept it. I have never dealt with such a crap mortgage company. Iam contacting my Attorney General. Also the consumer protection agency. They are intentionally attempting to make people default on their loans. So they can force a foreclosure. Unbeknownst to them I had enough to cover the payments. Which I did pay to bring current. This scam was done by bank of America. It did not work out for them. It will not work for uwm either. I have recorded calls of this bs and screen shots of them refusing payment. Bottom line stay away from this company!!!

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

Andreas was very helpful and always available for any questions. Even after closing if I have a question he is happy to help.

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.

Despite this, UWM continued contacting me as if I were behind on payments, ignoring the protections that apply during a hardship forbearance. Their customer support says one thing, then does the opposite. The lack of compliance, transparency, and respect for consumer rights has been alarming.

Based on my experience, I strongly urge consumers to be cautious when dealing with UWM. Their practices during my forbearance have been inefficient, misleading, and in my view, unlawful.

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.

Seriously, this was a smooth process thanks to Sam Fawaz being so
helpful; his willingness to work with me, explaining the mortgage process and his guidance and availability and his reliability throughout was indeed a blessing.

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