United Wholesale Mortgage for Utah 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.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How United Wholesale Mortgage positions in Utah
Within Utah, United Wholesale Mortgage competes alongside other DSCR lenders. United Wholesale Mortgage strengths: Licensed in 35 states, DSCR floor ranges 0.00 to 1.00 depending on program. The medium aggregate DSCR economics of Utah create demand for United Wholesale Mortgage programs in Salt Lake City and Provo particularly.
City-level coverage in Utah
United Wholesale Mortgage provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. United Wholesale Mortgage program terms apply uniformly across Utah 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 |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
United Wholesale Mortgage strengths in Utah
- 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 Utah. United Wholesale Mortgage is based in an undisclosed location and operates nationally.
Salt Lake City is the top investor market in Utah and falls within United Wholesale Mortgage national coverage. Salt Lake City property tax follows the Utah state rate of 0.6 percent. United Wholesale Mortgage typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from United Wholesale Mortgage. Submarket variation within Provo matters for property selection.
United Wholesale Mortgage applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George 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.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). United Wholesale Mortgage follows standard business-purpose loan structures.
United Wholesale Mortgage funds rental DSCR in Utah.
Utah 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
United Wholesale Mortgage in Utah works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with United Wholesale Mortgage.