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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a United Wholesale Mortgage's loan



Your eligibility for a UWM loan can be determined by a mortgage broker approved by this company. The uniform requirements for obtaining a UWM mortgage are:

  • At least two years of work experience;
  • The borrower's credit rating is FICO 620 or higher;
  • The borrower must not have bankruptcy for at least two years.

The company works in all 50 states (including Columbia), so you can apply from any place in the country. The United Wholesale Mortgage LLC will check your incomes carefully, but you can use your assets as incomes if you have got some.

Application details

To apply for a UWM mortgage, they require a standard set of documents:

The identity card of the established sample

  • The borrower's latest payment receipts;
  • Bank statements received by the borrower in the last two months;
  • Tax returns and W-2 for the previous two years;
  • Contact information for proof of employment;
  • Property and insurance documents.

Note that the company is a wholesale lender and works only through mortgage brokers. In order to be approved for the loan you need at the right rate, you should first find the nearest broker of the company. He will help you apply and get the most convenient option for you and avoid rejection.

How to apply for a loan

To apply online for a mortgage with United Wholesale Mortgage, you should take the following steps:

  • Open the company's website;
  • Select the About Us section, go to the Find a mortgage lender section;
  • Enter your address so that the company will provide you with a list of brokers in your state;
  • Select a suitable broker and find his contact information.


What are United Wholesale Mortgage requirements?

UWM requires stable income or assets, no bankruptcy during the last 2 years and rating score from 620 FICO.

Can I get a loan from UWM with a bad credit?

No. Your credit score must be at least 620 FICO.

What do I need to apply for UWM?

To apply for a UWM mortgage, they require a standard set of documents:

  • Your personal identification;

  • Your latest payment receipts;

  • Bank statements;

  • Tax returns and W-2 for the previous two years;

  • Contact information for proof of employment;

  • Property and insurance documents.

Calculate loan payments at United Wholesale Mortgage

United Wholesale Mortgage calculator will allow you to calculate an approximate payment schedule for the loan

UWM calculator
Interest rates are given in accordance with the rates of the United Wholesale Mortgage in Washington, D.C. as of 02.10.2022
Loan amount

Specify the desired loan amount

100000 $
10000000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with United Wholesale Mortgage

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between United Wholesale Mortgage and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All United Wholesale Mortgage’s reviews by October 2022
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