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United Wholesale Mortgage Review 2026

Written by

Andrew Dehan

Edited by

Maggie Kempken

Updated Dec 19, 2025

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At a glance

United Wholesale Mortgage

NMLS: 3038

Editor's take

United Wholesale Mortgage could be a good option for those who want to work with an experienced broker and explore a wide range of loan options.

Bankrate Score

3.6

Bankrate Score

Customer Rating

1.2

60 ratings

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

Min. credit score required

620 for conventional loans, 660 for jumbo loans, 580 for FHA loans, 580 for VA loans, 620 for USDA loans

Nationwide availability

All U.S. states

Min. down payment

1% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans

Recent customer reviews

The customer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews. Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

Run Away

If I could give zero stars, I would. We used them for our Construction VA Loan and our experience with United Wholesale Mortgage service department has been nothing short of a nightmare. Their communication is absolutely terrible — days or even weeks go by without answers. No one follows up, no one...

JC M.
Texas (Dec 2, 2025)

Bullying, Harrassment, and Lies, Oh My!

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 rece...

TM480
20772 (Oct 28, 2025)

Read 17 customer reviews for United Wholesale Mortgage

United Wholesale Mortgage overview

United Wholesale Mortgage (UWM) is a mortgage wholesaler, meaning it doesn’t deal directly with consumers. Instead, you’ll apply for a loan through a mortgage broker. UWM has been in business since 1986. The lender went public in 2021 and was the top mortgage lender by volume in the U.S. in 2024.

Pros and cons of United Wholesale Mortgage

Pros

Wide range of mortgage options
Frequent promotions and down payment assistance initiatives

Cons

Doesn't lend directly to borrowers
Might not have the lowest rate

How Bankrate scored United Wholesale Mortgage

Affordability: 3.4 stars

United Wholesale Mortgage offers low-down payment options, but doesn’t disclose rates to the public. It scores 3.4 out of 5 stars for affordability.

Down payment: For qualified borrowers, UWM offers VA and USDA loans with no down payment, FHA loans with a minimum 3.5 percent down and conventional loans with a minimum 3 percent down.

Availability: 5 stars

United Wholesale Mortgage scores 5 out of 5 stars for availability thanks to a variety of loan products and a nationwide presence.

Home loans offered: United Wholesale Mortgage offers conventional, jumbo, FHA, VA and USDA purchase and refinance options.
Footprint: UWM lends mortgages across the U.S.
Where to find: You can apply for a mortgage with United Wholesale Mortgage via an affiliated broker. You can find a local broker through MortgageMatchup.com.

Borrower experience: 2.5 stars

Because United Wholesale Mortgage requires a relationship with a broker, there’s no way to know its current rate offers without one. We score the lender 2.5 out of 5 stars for borrower experience.

Preapproval and application process: You’ll begin the loan process with United Wholesale Mortgage by contacting a mortgage broker affiliated with the lender. Depending on the broker you work with, you might be able to get preapproved or prequalified online.
Transparency: You won’t have access to UWM’s rate information until you contact an affiliated broker.
Customer service: If you’re already a customer, you can reach UWM’s customer service team at 800-816-8744 Monday through Thursday, 8 a.m. to 9 p.m. ET; Friday, 8 a.m. to 8 p.m. ET; or Saturday, 9 a.m. to 1 p.m. ET. If you aren’t already a customer, call 800-981-8898.

Features

Screen view

Desktop Mobile

Images courtesy of United Wholesale Mortgage as of August 13, 2025. Note: Depending on method of contact, your individual credit profile and other circumstances, your experience might differ.

How easy is it to contact United Wholesale Mortgage?

The lender has an easy-to-navigate menu to connect you with a representative. When we called, the rep was friendly and quick to answer questions.

United Wholesale Mortgage reputation

United Wholesale Mortgage is a leading player in the mortgage world, consistently ranking as one of the largest lenders in the country. It is accredited with the Better Business Bureau and maintains an A+ rating from the organization.

What Bankrate users say about United Wholesale Mortgage

Among borrowers on Bankrate, the reviews for United Wholesale Mortgage are mixed, but lean negative. Some customers cite the smooth experience and low rates as major pros, but even more customers express frustration with poor customer service and problems with closing delays and unexpected fees.

United Wholesale Mortgage in the news

United Wholesale Mortgage came under fire in April 2025 when the attorney general of Ohio accused the lender of working with brokers to rip off consumers and charge higher interest rates than necessary. The lawsuit was still ongoing at the time of this review.

In other news in 2025, the lender began working to incorporate AI, announcing a partnership with Google AI to modernize its operations.

Lender compare

Compare United Wholesale Mortgage to other lenders

Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.

Lender

NMLS: 3038

3.6

Bankrate Score

Bankrate's take

United Wholesale Mortgage could be a good option for those who want to work with an experienced broker and explore a wide range of loan options.

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

Min. credit score required

Nationwide availability

All U.S. states

Min. down payment

1% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans

Recent Customer Reviews

1.2

60 reviews

Read full lender review

Lender

NMLS: 2059741

State License: ML-2059741

4.9

Bankrate Score

Bankrate's take

This newer entrant to the mortgage space is best for borrowers looking for competitive rates, no lender fees and an online application process. Tomo isn’t available everywhere yet, however, and you can only work with this lender to purchase a home, not to refinance your current loan.

Loans offered

Conventional, jumbo, FHA, VA and more

Min. credit score required

Nationwide availability

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin and Wyoming

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Recent Customer Reviews

4.8

184 reviews

Read full lender review

To help you make the most informed decisions, our mortgage lender reviews team suggests an alternative mortgage lender for each lender reviewed. In most cases, this alternative 1.) shares the same strength (affordability, availability or borrower experience) as the lender reviewed; and 2.) rates highly for Bankrate Score. In the event more than one lender meets these standards, we suggest the one with the lowest APRs.

To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:
1. Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%
2. Availability: Loan products - 50%; licensing - 40%; credit score - 10%
3. Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)
Learn more about our methodology.

United Wholesale customer ratings and reviews

NMLS: 3038

1.2

60 ratings

This lender has 17 recent reviews.

Knowledge

Level of service

Professionalism

Responsiveness

5 stars

4 stars

3 stars

2 stars

1 star

95%

5% of customers would recommend this lender.

of 17 reviews

The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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