United Wholesale Mortgage
FeaturedPaidThe nation's largest wholesale mortgage lender powering independent brokers
🏠Conventional LoansAbout United Wholesale Mortgage
United Wholesale Mortgage (UWM) is the largest wholesale mortgage lender in the United States, operating exclusively through a network of independent mortgage brokers rather than directly with consumers. UWM provides brokers with industry-leading technology, competitive wholesale pricing, and fast turn times to help them close loans efficiently. Its TRAC (Turn Rate And Cost) platform, Bolt instant approvals, and superior underwriting support make UWM the preferred wholesale partner for tens of thousands of independent brokers nationwide.
What's Great
- ✓Consistently offers some of the most competitive wholesale rates available
- ✓Bolt instant approval technology can deliver credit approval in seconds
- ✓Superior broker support with dedicated account executives
- ✓Wide product menu covering conventional, FHA, VA, jumbo, and non-QM loans
- ✓Industry-leading technology tools for broker partners
Watch Out For
- !Not available directly to consumers — must work through a broker
- !Broker quality can vary widely across the network
- !Heavy reliance on broker relationships may limit transparency for end borrowers
- !Competitive pricing sometimes comes with tighter guidelines
Common Use Cases
Homebuyer working with an independent mortgage broker for the best wholesale rates
Borrower with a unique loan scenario that benefits from broker access to multiple products
Refinancing homeowner whose broker can leverage UWM's competitive pricing
Pricing Model
Paid
Paid subscription required. Check the website for current pricing and free trials.
Category
Conventional Loans
Standard conforming loans not backed by a government agency, ideal for borrowers with strong credit.
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