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. United Wholesale Mortgage is a hard money lender, describing its footprint as "National".
For a rental investor, the products on file are rental DSCR. On the deal itself, United Wholesale Mortgage publishes loan sizes from $50,000 to $3,000,000 and leverage up to 80% LTV / 80% LTC. United Wholesale Mortgage originates exclusively through mortgage brokers — a borrower cannot apply directly.
United Wholesale Mortgage is confirmed by SEC filing as a subsidiary of UWM Holdings Corporation (NYSE: UWMC). The registrant's 10-K states it is 'the publicly traded indirect parent of United Wholesale Mortgage, LLC,' which went public via a business combination with the Gores Holdings IV SPAC in January 2021. Its published lending figures were last checked against a source it published on Sep 17, 2026.
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
Verification record
Reviewed Sep 25, 2026
✅ Corporate record confirmed — a subsidiary of UWM Holdings Corporation (NYSE: UWMC). 10-K filed Feb 25, 2026 .
The registrant's 10-K states it is 'the publicly traded indirect parent of United Wholesale Mortgage, LLC,' which went public via a business combination with the Gores Holdings IV SPAC in January 2021.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What United Wholesale Mortgage has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask United Wholesale Mortgage about, not as a criticism. Of the 11 criteria categories this directory tracks, United Wholesale Mortgage has not published 5:
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
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.
Deal scenarios United Wholesale Mortgage clears
United Wholesale Mortgage's published criteria clear 9 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Cash flow and DSCR (2)
Purpose and structure (4)
Leverage and pricing (2)
How United Wholesale Mortgage compares
United Wholesale Mortgage is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set United Wholesale Mortgage's published figures side by side with any other lender's profile directly. Open the directory.
Ownership and status
Ownership & status
United Wholesale Mortgage is confirmed by SEC filing as a subsidiary of UWM Holdings Corporation (NYSE: UWMC). The registrant's 10-K states it is 'the publicly traded indirect parent of United Wholesale Mortgage, LLC,' which went public via a business combination with the Gores Holdings IV SPAC in January 2021.