United Wholesale Mortgage – Wholesale Lender

In today’s competitive real estate landscape, partnering with a reliable and efficient wholesale mortgage lender is crucial for success. United Wholesale Mortgage (UWM) stands out as a leader in the industry, offering exceptional service, innovative technology, and a commitment to empowering real estate agents and loan officers. This comprehensive guide dives deep into UWM’s offerings, exploring its advantages and how it can propel your business to new heights.

UWM’s dominant position in the wholesale mortgage market makes it a significant player in the home-buying process for many Americans. By providing a variety of loan options and streamlining the mortgage process for brokers, UWM helps facilitate a smooth experience for both brokers and borrowers.

What is United Wholesale Mortgage?

United Wholesale Mortgage (UWM), formerly known as United Shore Financial Services, is the biggest wholesale mortgage lender in the United States. Founded in 1986, it’s headquartered in Pontiac, Michigan. Unlike traditional lenders who deal directly with borrowers, UWM works with independent mortgage brokers. These brokers then offer UWM’s loans to their clients.

What does UWM do?

UWM acts as a lender for independent mortgage brokers.  Brokers use UWM’s underwriting expertise and loan programs to secure financing for their clients. UWM offers a variety of mortgage products, including:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans

UWM is known for its innovative technology and commitment to fast turnaround times, which helps brokers close loans quickly and efficiently.

Why Partner with United Wholesale Mortgage?

The benefits of partnering with UWM are extensive, offering a competitive edge for real estate agents and loan officers alike:

Unmatched Speed and Efficiency

UWM boasts one of the fastest turn times in the industry, ensuring a smooth and timely loan approval process for your clients. This translates to quicker closings and happier clients.

Extensive Loan Portfolio

UWM offers a diverse range of loan products, catering to a wide variety of client needs. From conventional loans and FHA loans to VA loans and USDA loans, UWM has the perfect option to meet any borrower’s situation.

Competitive Rates and Flexibility

UWM consistently delivers some of the most competitive rates in the market, giving your clients access to the best possible deals. Additionally, UWM offers flexible underwriting guidelines, allowing you to work with a broader range of borrowers.

Industry-Leading Technology

UWM’s innovative technology platform, EASE (Empowering Agile Selling Environment), streamlines every step of the loan process. From loan application to closing, EASE provides a user-friendly interface with real-time tracking and clear communication, keeping you and your clients informed at all times.

Exceptional Customer Service

UWM prioritizes exceptional customer service, offering dedicated support teams to assist you throughout the loan process. Whether you have questions about specific loan programs or need guidance with complex scenarios, UWM’s team is always available to lend a helping hand.

Who can UWM help?

UWM works with independent mortgage brokers who help borrowers secure financing for their homes.  UWM does not directly originate loans to consumers.

Becoming a UWM Partner

UWM offers a straightforward onboarding process to get you started quickly. Here’s what to expect:

  • Eligibility Requirements: Review UWM’s licensing and experience requirements to ensure you qualify for the partnership program.
  • Online Application: Submit a quick and easy online application to initiate the process.
  • Background Check: UWM conducts a thorough background check to ensure a secure and reliable partnership.
  • Compliance Training: Complete UWM’s comprehensive compliance training to ensure you’re up-to-date on industry regulations.
  • Welcome to the UWM Family: Once approved, you gain full access to UWM’s resources, support, and technology platform.

Unlocking the Full Potential of Your UWM Partnership

UWM goes beyond simply providing access to competitive rates and loan products. Here’s how to maximize your partnership:

  • Leverage UWM’s Educational Resources: UWM offers a wealth of educational resources, including webinars, workshops, and online courses, to help you stay abreast of industry trends and expand your knowledge base.
  • Utilize UWM’s Marketing Tools: UWM provides a comprehensive suite of marketing tools and resources to help you generate leads and attract new clients.
  • Build Relationships with Your UWM Account Manager: Your dedicated UWM account manager is a valuable asset. They can provide personalized support, answer your questions, and help you navigate complex situations.

FAQs about United Wholesale Mortgage

Is UWM a lender or a broker?

UWM is a wholesale mortgage lender, not a broker. They partner with independent mortgage brokers who work directly with borrowers.

What types of loans does UWM offer?

UWM offers a variety of conventional, government-backed, and jumbo loan options.

How do I apply for a mortgage through UWM?

You cannot apply for a mortgage directly through UWM. You will need to contact an independent mortgage broker who partners with UWM.

Is UWM a reputable company?

UWM is a publicly traded company (NYSE: UWMC) and is a leader in the wholesale mortgage industry.


United Wholesale Mortgage is a leading provider of wholesale mortgage solutions for independent mortgage brokers.  UWM’s wide range of loan products, competitive rates, and commitment to technology make it a valuable partner for brokers who are looking to originate loans quickly and efficiently.