What is united wholesale mortgage?

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United Wholesale Mortgage (UWM) is one of the largest wholesale mortgage lenders in the United States. With a focus on providing loans through independent mortgage brokers, UWM plays a significant role in the mortgage industry. In this article, we will dive deeper into what United Wholesale Mortgage is, its services, and its impact on the housing market.

History and Overview

United Wholesale Mortgage was founded in 1986 by Mat Ishbia, who currently serves as the company’s President and CEO. Initially, UWM started as a small mortgage brokerage firm in Michigan. Over the years, it expanded its operations and transformed into a leading wholesale mortgage lender.

As a wholesale lender, UWM does not lend directly to consumers. Instead, it partners with independent mortgage brokers who work with borrowers to secure mortgage loans. These brokers act as intermediaries between borrowers and UWM, facilitating the loan process.

Services Offered

United Wholesale Mortgage offers a wide range of mortgage loan products to borrowers through its network of independent mortgage brokers. These loan products include conventional loans, government-backed loans (such as FHA, VA, and USDA loans), jumbo loans, and renovation loans.

UWM also provides various tools and resources to its broker partners to streamline the loan origination process. These tools include an online portal for submitting loan applications, real-time pricing and lock capabilities, and access to training and educational materials.

Advantages of Working with UWM

Competitive Rates and Pricing: United Wholesale Mortgage is known for offering competitive rates and pricing on its loan products. This allows borrowers to access affordable mortgage options through their mortgage brokers.

Fast Turnaround Times: UWM focuses on efficiency and aims to provide quick turnaround times for loan approvals and closings. This can be beneficial for borrowers who are looking to secure financing within a short timeframe.

Technology and Innovation: UWM invests heavily in technology and innovation to enhance the loan origination process. Its online portal and digital tools enable brokers to submit and track loan applications seamlessly, improving overall efficiency.

Exceptional Customer Service: UWM prides itself on providing exceptional customer service to its broker partners and borrowers. The company has a dedicated team of account executives who work closely with brokers to ensure a smooth loan process and address any concerns or questions.

Impact on the Housing Market

As one of the largest wholesale mortgage lenders, United Wholesale Mortgage plays a significant role in the housing market. By partnering with independent mortgage brokers, UWM helps facilitate mortgage lending and increases access to financing for borrowers.

The company’s competitive rates and pricing, along with its focus on technology and efficiency, contribute to a more streamlined and accessible mortgage process. This can help stimulate homebuying activity and support the overall health of the housing market.

Additionally, UWM’s emphasis on customer service and support for its broker partners helps foster strong relationships within the industry. This collaborative approach benefits both borrowers and brokers, creating a positive impact on the mortgage lending landscape.


United Wholesale Mortgage is a prominent wholesale mortgage lender in the United States. Through its network of independent mortgage brokers, UWM provides a wide range of loan products, competitive rates, and innovative technology to streamline the mortgage process. Its impact on the housing market is significant, as it helps increase access to financing and supports the overall health of the industry.


– UWM Official Website: uwm.com
– Forbes: forbes.com/united-wholesale-mortgage
– Mortgage Professional America: mpamag.com/united-wholesale-mortgage