United Wholesale Mortgage Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores United Wholesale Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
4 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
3 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
12%3 out of 5 - Where and what they lend
How many states and loan types this lender serves.
100%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, 90% to 95% did, which might mean some quoted terms changed before closing, some applicants stepped away, or both.
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What Bankrate's editors think
United Wholesale Mortgage isn’t a direct lender, it operates on a wholesale basis only. You’ll apply through one of its partner brokers, found on your own or through UWM’s Mortgage Matchup tool. You won’t see pricing until you’re working with a broker, but about 62% of UWM’s mortgages were priced below comparable loans in 2025, though its added costs land in the middle of the pack.
UWM runs frequent promotions through its brokers, including a 1% down payment program that covers the remaining 2% of a conventional loan’s down payment, up to $7,000, and a 0% down option pairing a purchase loan with a separate down payment assistance loan of up to $15,000 for qualifying first-time buyers. It offers a wide range of mortgage types to suit a large variety of borrower needs. Its complaint volume alone is low, but only 1% of those complaints were resolved in the borrower’s favor.
Ohio’s attorney general sued United Wholesale Mortgage in 2025, alleging its brokers were marketed as independent while directing nearly all their business back to UWM, pushing borrowers into costlier loans. The case was still pending as of this review.
At a glance
Good for confident borrowers comfortable navigating a broker relationship instead of working directly with a lender. Not a good fit if you want to see pricing yourself before committing, or if you want a single point of contact who answers to the lender rather than an independent broker.
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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