United Wholesale Mortgage for Oklahoma investors
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.
Oklahoma context
Oklahoma low property tax. Strong DSCR cash flow. Tornado risk.
How United Wholesale Mortgage positions in Oklahoma
The Oklahoma lender pool for DSCR includes United Wholesale Mortgage among the active platforms. Oklahoma top metros (Oklahoma City, Tulsa, Norman) see meaningful United Wholesale Mortgage loan volume.
City-level coverage in Oklahoma
United Wholesale Mortgage provides DSCR coverage across Oklahoma metros including Oklahoma City, Tulsa, and Norman. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Oklahoma metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $50K - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Oklahoma property tax | 0.9% |
| Oklahoma state income tax | 4.75% |
United Wholesale Mortgage strengths in Oklahoma
- 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.
FAQ
Yes, operates nationally including Oklahoma. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Oklahoma City is the top investor market in Oklahoma and falls within United Wholesale Mortgage national coverage. Oklahoma City property tax follows the Oklahoma state rate of 0.9 percent. United Wholesale Mortgage typically underwrites Oklahoma City acquisitions at standard rate sheets.
Yes. Tulsa ranks among the larger Oklahoma investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Tulsa matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Oklahoma metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Oklahoma City, Tulsa, and Norman all qualify for the same United Wholesale Mortgage program.
United Wholesale Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Oklahoma low property tax. Strong DSCR cash flow. Tornado risk. United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Oklahoma.
Oklahoma allows standard DSCR prepay structures; United Wholesale Mortgage typically uses 3-5 year step down.
United Wholesale Mortgage typical close: Not publicly published.
Bottom line
Oklahoma investors considering United Wholesale Mortgage should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.