Lender profile
United Wholesale Mortgage
hard money
Verified Sep 17, 2026
United Wholesale Mortgage (UWM) is a broker-only DSCR lender licensed in 35 states. Its DSCR floor ranges from 0.00 to 1.00 depending on the specific program selected. Minimum credit score is 640, with loan sizes from $50,000 to $3,000,000 and maximum 80% LTV. The company does not publish rate figures in the sources reviewed.
Published facts
Loan size
$50,000 – $3,000,000
Max LTV
80%
Max LTC
80%
Min credit score
640
Min DSCR
0.00
States covered
35
Channel
Broker only
Terms
Not publicly published
Close time
Not publicly published
Products
rental DSCR
Strengths
- Licensed in 35 states
- DSCR floor ranges 0.00 to 1.00 depending on program
- Loan sizes from $50,000 to $3,000,000
- Broker-only origination
Who this lender suits
Broker-originated borrower whose DSCR program fit ranges from no-ratio (0.00) up to fully-qualifying (1.00) DSCR.