United Wholesale Mortgage (UWM) phone numbers
Ranked #38 of 75 by complaint volume · 2,128 complaints · 99.3% timely response
Check your statement for the address for a mortgage-assistance application.
Every number above is copied from United Wholesale Mortgage (UWM)'s own site on the date shown. If one has changed, the number on your mortgage statement wins.
How United Wholesale Mortgage (UWM) Compares
For United Wholesale Mortgage (UWM), "Trouble during payment process" accounts for 56.4% of CFPB mortgage complaints in this profile; volume rose 89% from 2024 to 2025, ranking it #38 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's middle third; this profile has no linked CFPB enforcement action. Company context: DBA United Wholesale Mortgage. This profile retains the historical CFPB mortgage complaint record tracked for this servicer.
Compare the nearest profiles by complaint volume: Dovenmuehle Mortgage and AmeriHome Mortgage.
What Borrowers Complain About
United Wholesale Mortgage (UWM) borrowers' most common complaint category is "Trouble during payment process" at 56.4% of all complaints, followed by "Struggling to pay mortgage" at 14.1%. The three most cited specific problems are: "escrow, taxes, or insurance" (11%), "trying to communicate with the company to fix an issue while managing or servicing your loan" (8.1%), "payment process" (7.8%).
The third most common category is "Closing on a mortgage" at 10.1%, representing 214 complaints.
Other frequently cited problems include "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (5.2%) and "applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu" (2.7%).
Complaint volume varied (2022: 232, 2023: 227, 2024: 226, 2025: 428).
Most complaints involve conventional mortgages (58.9%), followed by VA mortgages (17.1%).
United Wholesale Mortgage (UWM)'s consumer dispute rate of 1.5% is below the 8.3% industry average.
Complaints are geographically concentrated: California (479), Florida (283), and Texas (157) account for 43% of all complaints.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for United Wholesale Mortgage (UWM) from 2012 to present.
Annual Complaints — United Wholesale Mortgage (UWM)
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — United Wholesale Mortgage (UWM)
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Trouble during payment process | 1,201 | 56.4% |
| Struggling to pay mortgage | 299 | 14.1% |
| Closing on a mortgage | 214 | 10.1% |
| Applying for a mortgage or refinancing an existing mortgage | 196 | 9.2% |
| Incorrect information on your report | 63 | 3% |
| Loan servicing, payments, escrow account | 56 | 2.6% |
| Problem with a company's investigation into an existing problem | 24 | 1.1% |
| Application, originator, mortgage broker | 21 | 1% |
| Settlement process and costs | 17 | 0.8% |
| Loan modification,collection,foreclosure | 11 | 0.5% |
How United Wholesale Mortgage (UWM) Responds
United Wholesale Mortgage (UWM) closes 94.1% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. Only The share of complaints closed with monetary relief was 1.8% to the borrower. Borrowers disputed 1.5% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 2,002 | 94.1% |
| In progress | 85 | 4% |
| Closed with monetary relief Monetary relief | 39 | 1.8% |
| Closed | 1 | 0% |
| Closed with non-monetary relief Non-monetary relief | 1 | 0% |
Top States by Complaint Volume
View all 50 locations
| State | Complaints |
|---|---|
| CA | 479 |
| FL | 283 |
| TX | 157 |
| CO | 93 |
| AZ | 87 |
| GA | 87 |
| MI | 77 |
| WA | 69 |
| NC | 68 |
| NY | 57 |
| UT | 53 |
| VA | 48 |
| PA | 43 |
| IL | 43 |
| NJ | 42 |
| TN | 39 |
| MD | 39 |
| OH | 29 |
| NV | 29 |
| MA | 28 |
| OR | 25 |
| MN | 25 |
| SC | 25 |
| LA | 21 |
| CT | 18 |
| KY | 15 |
| WI | 15 |
| AL | 14 |
| MO | 13 |
| IN | 10 |
| NM | 8 |
| KS | 7 |
| ID | 7 |
| OK | 7 |
| DC | 6 |
| ME | 5 |
| NE | 5 |
| HI | 5 |
| MS | 5 |
| RI | 4 |
| DE | 4 |
| AR | 4 |
| MT | 3 |
| IA | 3 |
| AK | 2 |
| NH | 2 |
| WV | 2 |
| SD | 2 |
| VT | 1 |
| ND | 1 |
United Wholesale Mortgage (UWM)'s complaints concentrate in California (479), Florida (283), and Texas (157). These three states account for 43% of all complaints. If you're dealing with United Wholesale Mortgage (UWM), check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Florida and Texas.
Enforcement Record
We don't list a CFPB enforcement action against United Wholesale Mortgage (UWM). Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 2,128 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about United Wholesale Mortgage (UWM), which responded to 99.3% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for United Wholesale Mortgage (UWM). That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search United Wholesale Mortgage (UWM) Complaints
Browse the 500 most recent complaints filed against United Wholesale Mortgage (UWM). Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 56.4% of all complaints. Most complaints originate from California.
Know Your Rights with United Wholesale Mortgage (UWM)
File a CFPB Complaint
If United Wholesale Mortgage (UWM) is mishandling your mortgage, file a complaint with the CFPB. United Wholesale Mortgage (UWM) currently responds to 99.3% of complaints on time, ranking #35 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review United Wholesale Mortgage (UWM)'s actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If United Wholesale Mortgage (UWM) is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about United Wholesale Mortgage (UWM)
How many complaints does United Wholesale Mortgage (UWM) have?
United Wholesale Mortgage (UWM) has 2,128 mortgage-related complaints in the CFPB database since 2012, ranking #38 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.3%, which is above the 98.8% average across the 75 largest servicers. Complaint volume rose 89% between 2024 and 2025.
What is the most common complaint about United Wholesale Mortgage (UWM)?
The most common complaint category is "Trouble during payment process" at 56.4% of all complaints — payment processing problems — misapplied payments, escrow calculation errors, and billing disputes. Borrowers report payments credited late or to the wrong account, escrow shortages they weren't notified about, and unexplained fee charges. The most frequently cited specific problem is "escrow, taxes, or insurance" (11% of complaints). The second most common category is "Struggling to pay mortgage" at 14.1%.
Has United Wholesale Mortgage (UWM) faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against United Wholesale Mortgage (UWM). Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 2,128 complaints, ranking #38 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against United Wholesale Mortgage (UWM)?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name United Wholesale Mortgage (UWM) as the company. Select "Conventional home mortgage" as the sub-product — 58.9% of complaints against United Wholesale Mortgage (UWM) fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to United Wholesale Mortgage (UWM), where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for United Wholesale Mortgage (UWM)?
The 99.3% timely response rate means United Wholesale Mortgage (UWM) responded to that share of complaints within the CFPB's applicable response window, ranking #35 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 1.8% and 0% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 94.1% — means the servicer responded but did not necessarily resolve the borrower's issue.