United Wholesale Mortgage non-qm 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 Non-QM 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 non-qm 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.
Non-agency documentation and credit flexibility priced to risk, commonly with prepayment penalties on investment occupancy. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 90% LTV, on loan amounts between $100K and $4M, with DTI capped near 55%. Accepted documentation typically includes bank statement, 1099 only, p&l only, asset depletion, full doc, with primary residence, second home, investment property occupancy and single family, warrantable condo, 2-4 unit, non-warrantable condo 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 non-qm 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 non-qm 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 non-qm matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 90% LTV, with DTI to roughly 55%. 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 $100K and $4M, using bank statement, 1099 only, p&l only, asset depletion, full doc 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 Non-QM wholesale lenders · Program search · Wholesale lender rankings