Mortgage company · complaint record
United Wholesale Mortgage complaints UWM
Filed under United Shore Financial Services, LLC
Consumers have filed 2,486 complaints about United Wholesale Mortgage since 2012, 699 of them in the last 12 months (+55% on the year before). It answered 98.3% on time and closed 1% with relief for the customer - less often than a typical mortgage company. The most common problem is trouble during payment process. It is the 12th most complained-about of 595 mortgage lenders & servicers this year.
Weak response record. How it works
- Complaints on record
- 2,486
- Last 12 months
- 699
- Answered on time
- 98.3%
- Closed with relief
- 1%
- Last 30 days
- 31
- Rank
- #12 of 595
Since June 2012
+55% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Nov 6, 2026
Most complained-about mortgage lenders & servicers
United Wholesale Mortgage complaints by month
The busiest month was October 2026 (76 complaints). Complaints in the last 12 months are up 55% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How United Wholesale Mortgage answered last 12 months
- Closed with monetary relief40.6%
- Closed with explanation59785.4%
- In progress9814%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time37/4598.3% on time
- Relief for customers3/400.7% closed with relief
- Complaint trend5/15+55% vs last year
What United Wholesale Mortgage complaints are about
Top United Wholesale Mortgage problems last 12 months
Inside "Trouble during payment process"
- Escrow, taxes, or insurance 240
- Trying to communicate with the company to fix an issue while managing or servicing your loan 177
- Payment process 168
- Loan sold or transferred to another company 45
- Private mortgage insurance (PMI) 31
- Paying off the loan 20
Where United Wholesale Mortgage complaints come from
Most complaints: California (560), Florida (332), Texas (193), Georgia (106), Arizona (98).
United Wholesale Mortgage compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | LoanCareMortgages | 46 | 1,091 | D |
| 2 | SeleneMortgages | 50 | 1,063 | C |
| 3 | Mr. CooperMortgages | 60 | 913 | C |
| 4 | United Wholesale Mortgage (UWM)Mortgages | 45 | 699 | D |
| 5 | CrossCountry MortgageMortgages | 46 | 588 | D |
| 6 | Planet Home LendingMortgages | 46 | 585 | D |
| 7 | Lakeview Loan ServicingMortgages | 47 | 491 | D |
| 8 | MidFirst BankMortgages | 87 | 490 | A |
Compare side by side: United Wholesale Mortgage vs LoanCare · United Wholesale Mortgage vs Selene · United Wholesale Mortgage vs Mr. Cooper · United Wholesale Mortgage vs CrossCountry Mortgage
What people say about United Wholesale Mortgage
All experiencesNo experiences with United Wholesale Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest United Wholesale Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 6, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Oct 31, 2026 | Mortgages | Trouble during payment processPayment process | In progress |
| Oct 31, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Oct 31, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageNegative impact of inaccurate appraisal | In progress |
| Oct 30, 2026 | Mortgages | Trouble during payment processFees charged | In progress |
| Oct 30, 2026 | Mortgages | Trouble during payment processPayment process | In progress |
| Oct 30, 2026 | Mortgages | Trouble during payment processPaying off the loan | In progress |
| Oct 29, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Oct 29, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | In progress |
| Oct 28, 2026 | Mortgages | Struggling to pay mortgageAn existing modification, forbearance plan, short sale, or other loss mitigation relief | In progress |
| Oct 28, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Oct 27, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | In progress |
Questions about United Wholesale Mortgage
How many complaints does United Wholesale Mortgage have?
United Wholesale Mortgage has 2,486 complaints on record since June 2012, including 699 in the last 12 months and 31 in the last 30 days. That makes it number 158 of every company by complaints this year.
Does United Wholesale Mortgage respond to complaints?
Yes. United Wholesale Mortgage answered 98.3% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 0.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with United Wholesale Mortgage?
The most common problems are trouble during payment process (1,216), struggling to pay mortgage (301), closing on a mortgage (217).
Is United Wholesale Mortgage legit?
United Wholesale Mortgage is a real company with a public complaint record: consumers have complained about it 2,486 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is United Wholesale Mortgage legit? for the signals, red flags and how to protect yourself.
Are complaints about United Wholesale Mortgage going up or down?
Up. There were 699 complaints in the last 12 months against 451 in the 12 before (+55%). See every month.
How do I file a complaint against United Wholesale Mortgage?
Complain to United Wholesale Mortgage in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most United Wholesale Mortgage complaints come from?
Most come from California (560), Florida (332), Texas (193). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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