Overview
United Wholesale Mortgage (UWM) is a broker-only DSCR lender licensed in 35 states. Its DSCR floor ranges from 0.00 to 1.00 depending on the specific program selected. Minimum credit score is 640, with loan sizes from $50,000 to $3,000,000 and maximum 80% LTV. The company does not publish rate figures in the sources reviewed.
United Wholesale Mortgage's headquarters and founding year are not publicly published. They operate nationally and offer rental DSCR financing. Their loan amount range runs from $50K to $3.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | National |
| Loan size | $50K – $3.0M |
| Interest rate range | Not publicly published — quoted per deal |
| Origination points | Not publicly published |
| Minimum credit score | 640 |
| Minimum DSCR | 0.00 |
| How to access | Broker only |
| Max LTV | 80% of ARV |
| Max LTC | 80% of cost |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
Strengths
- Licensed in 35 states
- DSCR floor ranges 0.00 to 1.00 depending on program
- Loan sizes from $50,000 to $3,000,000
- Broker-only origination
Ideal borrower
Broker-originated borrower whose DSCR program fit ranges from no-ratio (0.00) up to fully-qualifying (1.00) DSCR.
How United Wholesale Mortgage compares
As an institutional non-QM lender, United Wholesale Mortgage's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. United Wholesale Mortgage serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for United Wholesale Mortgage cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
United Wholesale Mortgage FAQ
United Wholesale Mortgage serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
United Wholesale Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience. Request a quote directly.
United Wholesale Mortgage's typical minimum loan is $50K, with maximum loan size up to $3.0M.
United Wholesale Mortgage's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
United Wholesale Mortgage offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Broker-originated borrower whose DSCR program fit ranges from no-ratio (0.00) up to fully-qualifying (1.00) DSCR.
This review is an independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.