Wholesale Top partner
United Wholesale Mortgage
America’s largest mortgage lender and the #1 wholesale lender — available to you only through a broker.
#1
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
Conventional FHA VA Jumbo Purchase buydowns Refinance