United Wholesale Mortgage Customer Service Phone Number — Expert Guide

Quick summary and where to verify contact information

United Wholesale Mortgage (UWM) maintains dedicated phone lines for brokers, borrowers, and business partners. The single most reliable place to verify up-to-date phone numbers, hours, and mailing addresses is UWM’s official website (https://www.uwm.com) and the Contact or Help section on that site. Company contact details occasionally change during business reorganizations; always confirm numbers shown on uwm.com before calling.

As of the last public reference, UWM’s primary wholesale/broker support number is 800‑981‑8898. If you are a mortgage broker or loan officer working through the wholesale channel, that line routes you to broker services and loan production support. For borrower-facing retail inquiries, UWM provides separate borrower support resources accessible through the website or your loan officer’s customer-service portal.

Primary phone numbers and purpose

Use the correct line for faster resolution: 800‑981‑8898 is the industry-standard broker support number that connects to wholesale production, loan status, pricing locks, and desk underwriting. Calling on that line will get you to teams who handle lock desk inquiries, rate confirmations, AUS/DU findings and required documentation lists — essential for clearing conditions quickly.

If you are a borrower trying to reach a loan servicing or loan status team, first contact your mortgage broker or the retail loan officer who originated the loan. UWM’s borrower-facing phone numbers and servicing contacts are published on uwm.com and are routed differently from wholesale support. Never provide sensitive borrower Social Security numbers over a general line; ask for secure correspondence channels or a masked verification process when required.

Hours of operation, expected hold times, and peak periods

Broker support hours are commonly staffed Monday through Friday with extended coverage early and late Eastern Time (for example, roughly 7:00–20:00 ET on many production desks). Peak hold times occur at the start of business each weekday morning (8:30–11:00 ET) and at month-end or quarter-end when rate volatility increases. Expect 5–30 minute holds on high-volume days; high-stress market days can push waits beyond 45 minutes.

To reduce wait time, call right before the desk opens or mid-afternoon (13:30–15:30 ET) and use hold callbacks if offered. Have key loan identifiers ready (UWM loan number, borrower last name, loan amount, lock expiration) so the representative can pull the file on first contact and minimize transfer time.

What to prepare before you call — a high-value checklist

• Essential identifiers: UWM loan number (or broker loan ID), borrower full name and last four of SSN, property address, and loan amount. These cut file lookup time from minutes to seconds.
• Documentation ready: AUS findings (DU/LP), transactional documents you uploaded, credit report date, appraisal tracking number, and recent email correspondence reference numbers or screenshots. If discussing pricing, have the lock confirmation screenshot or the lock number.
• Clear objective and timeline: state whether you need a rate/lock extension, a condition clearance, a AUS clarification, loan officer assistance, or a funding/closing question. Assign a target resolution time (e.g., “need condition cleared by 5pm ET today for closing tomorrow”).

Escalation channels, expected SLAs, and follow-up best practices

When a standard customer-service representative cannot resolve your issue, request an escalation to the desk lead or operations manager and obtain a written case or ticket number. UWM typically issues a reference number or creates a secure portal ticket for complex underwriting or funding issues; keep that number in your records and include it in future communications.

Service-level expectations vary by issue: simple documentation clarifications are often resolved within 24–48 business hours, pricing/lock disputes typically require 1–3 business days depending on market movement, and underwriting submissions or loan-transfer inquiries can take 3–7 business days. If a promised SLA lapses, escalate with the case number and ask for a specific next-step and timestamped ETA.

Alternative contact methods and online resources

UWM’s online broker portal and loan-tracking dashboard are the fastest non-voice ways to get status and documentation requirements. Upload conditions directly into the portal to trigger automated routing to the underwriting queue. Use the portal’s messaging or secure document upload options to establish audit trails; these timestamps are essential in funding disputes or time-sensitive lock intervals.

For written records, copy [email protected] only if the website or your broker portal indicates that address as an accepted secure email — otherwise use portal messaging. UWM also maintains social-media channels and a corporate address for mailed correspondence; verify the correct postal address and department on uwm.com/contact before sending any original documents. Always follow the secure upload method specified for tax returns, bank statements, and driver’s licenses to remain compliant with privacy rules.

Common issues callers face and precise questions to ask

Frequently encountered topics include lock expirations and extensions, condition lists that reference stale documents, appraisal or title requirements, and last-minute underwriting conditions prior to closing. When you call, ask the representative to: 1) confirm the exact condition text and who owns the condition (broker vs. servicer), 2) confirm whether the condition requires an original document or a portal upload, and 3) provide a specific person or desk to contact if the condition is not cleared in the promised time.

Document every interaction: log the date/time, agent name, and the case/ticket number. If the matter is a pricing or lock dispute, request the lock confirmation number and the lock desk email or escalation contact so you can follow up in writing. These steps reduce the chance of miscommunication and create an auditable trail for urgent closings or compliance reviews.