# United Wholesale Mortgage

> United Wholesale Mortgage is a Pontiac, Michigan-based residential mortgage lender that originates loans exclusively through independent mortgage brokers. Its proposition is part capital provider, part software platform and part broker-services company: UWM underwrites, funds, sells and often services loans while giving brokers an integrated stack for applications, approvals, closing, marketing and client retention. The model lets UWM reach borrowers without maintaining a retail loan-officer network and makes broker loyalty, processing speed and operational scale central to its competitive position.

- **Founded:** 1986
- **Headquarters:** Pontiac, Michigan, United States
- **Founders:** Jeff Ishbia (Founder)
- **Team size:** Approximately 9,100 team members as of December 31, 2025, including about 2,200 in technology and information systems
- **Products:** Wholesale mortgage origination, EASE, DocHub, BOLT, UWM Appraisal Direct
- **Notable:** Largest U.S. wholesale mortgage lender by closed loan volume for 11 consecutive years through 2025., Originated $163.4 billion of mortgages in 2025, up from $139.4 billion in 2024., Maintained relationships with more than 13,000 independent broker businesses and over 57,000 affiliated loan officers in 2025.

## Products & services

- **Wholesale mortgage origination** — Conventional, FHA, VA, USDA, jumbo, construction, non-QM and home-equity products originated through independent brokers in all 50 states and Washington, D.C.
- **EASE** — UWM's proprietary loan origination system for product selection, rate locking, workflow and automated underwriting.
- **DocHub** — Document management, classification and data-extraction software for underwriting workflows.
- **BOLT** — AI-assisted underwriting software that can deliver an initial approval for eligible conventional and FHA loans in as little as 15 minutes.
- **UWM Appraisal Direct** — An appraisal ordering and tracking service in which UWM engages appraisers directly.
- **PA+** — Optional processing support that assigns a UWM loan coordinator to help brokers gather and review underwriting documents.
- **UClose** — Closing technology for document generation, title-company collaboration, real-time updates and eligible same-day closings.
- **TRAC+** — Title review, closing and disbursement services that can replace parts of the traditional title-company process on eligible loans.
- **Blink+** — A white-labeled point-of-sale and digital application system integrated with EASE and Brand 360.
- **Brand 360** — A broker marketing and lead-nurture platform with automated campaigns, alerts, analytics and Canva templates.
- **Mia and ChatUWM** — AI tools for borrower calls, refinance outreach, document work, income calculations and mortgage-guideline navigation.
- **Mortgage servicing and Built-In Rewards** — Loan payment administration and borrower support, with optional Bilt points for qualifying on-time digital mortgage payments.

## Achievements

- Largest U.S. wholesale mortgage lender by closed loan volume for 11 consecutive years through 2025.
- Originated $163.4 billion of mortgages in 2025, up from $139.4 billion in 2024.
- Maintained relationships with more than 13,000 independent broker businesses and over 57,000 affiliated loan officers in 2025.
- Reported an average 15 business days from application to clear-to-close in 2025.
- Completed a public listing through a roughly $16 billion SPAC business combination in January 2021.
- HousingWire Tech100 Mortgage honoree each year from 2019 through 2026 and USA Today Top Workplaces recognition from 2021 through 2026, according to UWM's media resources.

## Latest updates

- **2026-08** — UWM reported second-quarter originations of approximately $39.7 billion and total revenue of approximately $888.0 million; it also reported a $451.9 million net loss and suspended its quarterly common dividend after transaction-related derivatives losses.
- **2026-06** — UWM expanded its Doctor Loan program with additional options for medical professionals.
- **2026-05** — The company added free 1-0 temporary rate buydowns and a new suite of home-equity products, while upgrading its Mia AI loan-officer assistant.
- **2026-03** — Built-In Rewards with Bilt became available through UWM broker partners, letting eligible borrowers earn points on on-time digital mortgage payments.
- **2026-02** — UWM reported $163.4 billion in 2025 originations and $3.2 billion in full-year revenue.
- **2025-10** — UWM introduced Income Calculator, Loan Lab and a redesigned Brand 360 with Canva at AIME Fuse.

## Links

- Website: https://www.uwm.com/
- LinkedIn: https://www.linkedin.com/company/united-wholesale-mortgage
- Twitter/X: https://x.com/uwmlending
- YouTube: https://www.youtube.com/channel/UCoEosGADHJZ1e-c4sGJb7dw
- Instagram: https://www.instagram.com/uwmlending/
- Facebook: https://www.facebook.com/UnitedWholesaleMortgage/

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Published by YesPress — https://yespress.io
Last updated: 2026-08-11