United Wholesale Mortgage

America’s largest mortgage lender and the #1 wholesale lender — available to you only through a broker.

Get a quote with UWM Talk to a loan officer

U.S. mortgage lender (2023–2024)

~$138B

Funded in 2024

Broker

Wholesale channel only

Fast

Known for quick turn times

About UWM

United Wholesale Mortgage (UWM) is the largest mortgage lender in the United States, funding roughly $138 billion in home loans in 2024 — nearly $50 billion more than the next largest lender. Based in Pontiac, Michigan, UWM works exclusively through independent mortgage brokers.

Because UWM does not lend to consumers directly, the only way to get a UWM loan is through a broker like Loan Factory. We compare their pricing against 230+ other lenders and place your file with them when they win on total cost.

Why borrowers choose them

Consistently aggressive purchase pricing and lender-paid rate buydowns

Fast underwriting and closing timelines

Deep menu across Conventional, FHA, VA, and Jumbo

Broker-only model keeps costs competitive

Loan programs offered

ConventionalFHAVAJumboPurchase buydownsRefinance

How it works

You apply through Loan Factory — not UWM directly.

UWM is a wholesale lender, available only through a broker. We shop them alongside 230+ others and place your loan wherever the total cost is lowest.

See your rate

$2,000 Best Price Guarantee

Close with any lender for a lower combination of rate, fees, and mortgage insurance and we send you a $2,000 check.

Other lenders in our network

View all 230+

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