United Wholesale Mortgage (UWM)

United Wholesale Mortgage, commonly known as UWM, is a United States wholesale mortgage lender headquartered in Pontiac, Michigan. Founded in 1986, the company originates residential mortgage loans exclusively through independent mortgage brokers rather than lending directly to consumers. UWM works with a nationwide network of mortgage brokers, providing access to a broad range of mortgage products, technology platforms, and underwriting services.

The company offers financing for home purchases, refinancing, and cash-out refinancing through its broker network. Its mortgage portfolio includes conventional and government-backed loans, jumbo mortgages, home equity products, and specialized financing for eligible borrowers. UWM also provides lending solutions for investment properties and construction projects through selected loan programs. Product availability depends on broker participation, borrower qualifications, property type, and applicable state licensing requirements.