United Wholesale Mortgage heloc 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 HELOC 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 heloc 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.
Revolving second-lien line with a draw period and variable rate, leaving an existing low first-lien rate untouched. In the wholesale channel this product type is commonly written from a 660 minimum FICO up to 90% LTV, on loan amounts between $25K and $500K, with DTI capped near 50%. Accepted documentation typically includes full doc, bank statement, with primary residence, second home, investment property occupancy and single family, warrantable condo, 2-4 unit 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 heloc 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 heloc 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 heloc matrix on a public page, so this profile shows the channel-typical structure instead: a 660 minimum score and leverage up to 90% LTV, with DTI to roughly 50%. 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 $25K and $500K, using full doc, bank statement documentation on primary residence, second home, investment property 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.
United Wholesale Mortgage lender profile · All HELOC wholesale lenders · Program search · Wholesale lender rankings