United Wholesale Mortgage (UWM) is a large wholesale mortgage lender that operates through a network of mortgage brokers, meaning borrowers cannot directly apply for a mortgage through UWM. They offer a wide range of loan products, including conventional, FHA, VA, and USDA loans, and are known for their fast approvals and turn times. UWM also provides technology and training to support its broker partners.

Some customers have reported a smooth experience and low rates. UWM also has an A+ rating from the Better Business Bureau. However, some customers have expressed frustration with poor customer service and problems with closing delays and unexpected fees. It's important to note that customer experiences can vary widely, and some negative reviews may be related to issues with the individual mortgage broker rather than UWM itself.

UWM provides a valuable service to the mortgage industry by offering a wide range of products and efficient processing for brokers, which can translate to good rates and options for borrowers. However, the indirect nature of their business model means the borrower's experience is significantly influenced by the broker, leading to potential variability in service and transparency.