United Wholesale Mortgage fha wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
United Wholesale Mortgage (Pontiac, MI) advertises FHA lending to mortgage brokers, ranked #1 by reported wholesale volume. Last checked 2026-07-26.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
United Wholesale Mortgage is headquartered in Pontiac, MI and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced fha lending when we last checked them on 2026-07-26, alongside 11 other advertised product types in this directory. United Wholesale Mortgage also has $139.70B in all-channel production reported for 2024, placing it #1 in the ranking we reference.
Government-insured financing with upfront and annual MIP, more tolerant of thin credit and prior derogatory events than agency products. In the wholesale channel this product type is commonly written from a 580 minimum FICO up to 96.5% LTV, on loan amounts between $50K and $524K, with DTI capped near 57%. Accepted documentation typically includes full doc, with primary residence occupancy and single family, warrantable condo, 2-4 unit, manufactured property types in scope. Those parameters describe the channel, not United Wholesale Mortgage's own matrix — pull the current guideline from the lender before you quote.
United Wholesale Mortgage's own positioning notes are: Broker-exclusive channel; Largest wholesale volume in the U.S.. Those are lender-published claims, checked 2026-07-26. What matters on a fha submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from United Wholesale Mortgage directly, and none of them are published here.
Yes. United Wholesale Mortgage's public broker materials referenced fha lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by United Wholesale Mortgage, not by this directory — start at its united wholesale mortgage broker portal and confirm current requirements.
United Wholesale Mortgage does not publish its fha matrix on a public page, so this profile shows the channel-typical structure instead: a 580 minimum score and leverage up to 96.5% LTV, with DTI to roughly 57%. Treat that as a starting point and verify the live guideline with your account executive.
In the wholesale channel this product is generally written between $50K and $524K, using full doc documentation on primary residence occupancy. United Wholesale Mortgage may sit tighter or looser than that range on any single field.
HMDA / public production disclosures reported $139.70B for 2024 and placed United Wholesale Mortgage at #1. That figure is published by Scotsman Guide; LoanOfficer.ai reproduces it with attribution and does not calculate it.
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