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NMLS ID verifiedLenderHQ in Oakland County

United Wholesale Mortgage

Pontiac, Michigan · HQ in Oakland County · NMLS #3038

United Wholesale Mortgage (UWM), NMLS #3038, is a national wholesale mortgage lender headquartered in Pontiac, Michigan. It originates residential mortgages through independent brokers across the United States, including substantial Florida activity reported in public HMDA filings.

Research Score

50 / 100

Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.

Data Confidence

87 / 100

High data confidence

NMLS / License Status

NMLS ID verified

NMLS #3038 — re-confirm on NMLS Consumer Access before applying.

Local Market Evidence

Local market evidence · Oakland County

HQ locality derived from listed_county (Pontiac)

Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology

Score factors
  • NMLS identity evidence: 28/28 — NMLS #3038 — re-confirm on NMLS Consumer Access before applying.
  • Third-party reputation snapshot: 0/26 — No review volume on file
  • CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
  • BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
  • Licensed locality completeness: 8/12 — Derived HQ locality: Oakland County (listed_county)
  • Loan type disclosure: 6/6 — 6 loan type(s) listed
No independently verified closing-performance data available
Closing performance

Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #3038 on NMLS Consumer Access.

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Loan Types

ConventionalFHAVAUSDAJumboRefinance

Specialties

Wholesale / broker channelNational multi-state originatorFlorida HMDA activity

Public metrics (provenance-gated)

CFPB complaints (catalog): 0

Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.

Product / credit tiers listed: Excellent, Good, Fair

Self-described product focus as listed — not underwriting criteria.

Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.

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Federal mortgage data

What the federal data shows

Source: 2025 HMDA · Florida activity only · Not a score or ranking

Research panel
Florida originations
49,897
Major FL counties with activity
67

Among tracked high-volume counties

Florida applications (selected outcomes)
71,405

Originated + denied + approved not accepted

Top counties by originations

  • Broward County4,462
  • Miami-Dade County4,456
  • Hillsborough County3,296
  • Palm Beach County3,190
  • Orange County3,027

Loan-type mix (Florida originations)

Conventional59.0% · 29,438
FHA26.5% · 13,216
VA14.4% · 7,193
USDA / RHS0.0% · 50

Market share in key counties

Share of county originations among all HMDA filers in that county (shown when ≥ 1%).

Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.

Consumer complaint context

What the CFPB complaint database shows

Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking

Research panel
Mortgage complaints (all published)
1,939

Cumulative published rows for matched company name(s)

Recent complaints (≥ 2024-08-09)
799

~24-month window from snapshot date

Timely company response
99.4%

1,927 yes · 12 no

Top complaint issues

  • Trouble during payment process1,082(55.8%)
  • Struggling to pay mortgage272(14%)
  • Closing on a mortgage195(10.1%)
  • Applying for a mortgage or refinancing an existing mortgage182(9.4%)
  • Incorrect information on your report57(2.9%)

Company response (as published)

  • Closed with explanation1,835(94.6%)
  • In progress64(3.3%)
  • Closed with monetary relief38(2%)
  • Closed1(0.1%)
  • Closed with non-monetary relief1(0.1%)
Size context vs Florida HMDA originations (experimental)

16complaints / 1,000 FL originations

Uses recent (~24 month) national mortgage complaints (799) and Florida HMDA originations (49,897, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.

Matching & scope

UWM publishes under the legal name “United Shore Financial Services, LLC” in the CFPB database (historical / legal entity name).

CFPB company name(s): United Shore Financial Services, LLC

Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 49,897.

Data as of 2026-08-09. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database. We show the public record. You decide.

Data aggregated from NMLS, CFPB, BBB, Google, and Trustpilot for informational purposes. Lender Trust Hub is not a lender or broker and does not provide financial advice.