{"id":7825,"date":"2026-07-12T19:16:00","date_gmt":"2026-07-13T02:16:00","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=7825"},"modified":"2026-07-14T02:03:34","modified_gmt":"2026-07-14T09:03:34","slug":"uwm-wholesale-mortgage-review-2026","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/7825\/","title":{"rendered":"UWM Wholesale Mortgage Review 2026"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\" style=\"font-size:16px\">Curious about UWM Wholesale Mortgage?<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">UWM is a wholesale lender that offers mortgage products through independent brokers rather than directly to most borrowers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To help you understand its strengths and limitations, Loaning.ai reviewed Bankrate\u2019s evaluation of UWM.&nbsp;<br>Below, we summarize the key findings and explain what borrowers should compare before choosing a lender.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-at-a-glance\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>At a glance<\/strong><\/h2>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    United Wholesale Mortgage could be a good option for borrowers who want to work with an experienced mortgage broker and explore a wide range of loan options.\n  <\/div>\n<\/div>\n\n\n\n<section class=\"uwm-score-section\">\n\n  <!-- Bankrate Score -->\n  <article class=\"uwm-score-card\">\n\n    <div class=\"uwm-score-heading\">\n      BANKRATE SCORE\n    <\/div>\n\n    <div class=\"uwm-score-content\">\n\n      <strong class=\"uwm-score-number\">3.6<\/strong>\n\n      <div class=\"uwm-score-meta\">\n\n        <div\n          class=\"uwm-score-stars uwm-score-stars-blue\"\n          role=\"img\"\n          aria-label=\"3.6 out of 5 stars\"\n        >\n          <span>\u2605<\/span>\n          <span>\u2605<\/span>\n          <span>\u2605<\/span>\n          <span class=\"uwm-partial-star\">\u2605<\/span>\n          <span class=\"uwm-empty-star\">\u2606<\/span>\n        <\/div>\n\n        <span class=\"uwm-score-text\">\n          Bankrate Score\n        <\/span>\n\n      <\/div>\n\n    <\/div>\n\n  <\/article>\n\n\n  <!-- Customer Rating -->\n  <article class=\"uwm-score-card\">\n\n    <div class=\"uwm-score-heading\">\n      CUSTOMER RATING\n    <\/div>\n\n    <div class=\"uwm-score-content\">\n\n      <strong class=\"uwm-score-number\">1.1<\/strong>\n\n      <div class=\"uwm-score-meta\">\n\n        <div\n          class=\"uwm-score-stars uwm-score-stars-orange\"\n          role=\"img\"\n          aria-label=\"1.1 out of 5 stars\"\n        >\n          <span>\u2605<\/span>\n          <span class=\"uwm-empty-star\">\u2606<\/span>\n          <span class=\"uwm-empty-star\">\u2606<\/span>\n          <span class=\"uwm-empty-star\">\u2606<\/span>\n          <span class=\"uwm-empty-star\">\u2606<\/span>\n        <\/div>\n\n        <span class=\"uwm-score-text\">\n          73 ratings\n        <\/span>\n\n      <\/div>\n\n    <\/div>\n\n  <\/article>\n\n<\/section>\n\n\n<style>\n  .uwm-score-section,\n  .uwm-score-section * {\n    box-sizing: border-box;\n  }\n\n  .uwm-score-section {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 18px;\n    width: 100%;\n    margin: 22px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .uwm-score-card {\n    min-width: 0;\n    min-height: 180px;\n    padding: 26px 28px 28px;\n    background: #ffffff;\n    border: 1.5px solid #aaa7a1;\n    border-radius: 13px;\n  }\n\n  .uwm-score-heading {\n    color: #050505;\n    font-size: 13px;\n    line-height: 1.3;\n    font-weight: 750;\n    letter-spacing: 0.08em;\n    text-align: center;\n    white-space: nowrap;\n  }\n\n  .uwm-score-content {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    gap: 15px;\n    margin-top: 25px;\n  }\n\n  .uwm-score-number {\n    color: #222222;\n    font-size: 46px;\n    line-height: 1;\n    font-weight: 500;\n    letter-spacing: -2px;\n    white-space: nowrap;\n  }\n\n  .uwm-score-meta {\n    display: flex;\n    flex-direction: column;\n    align-items: flex-start;\n    gap: 8px;\n    min-width: 0;\n  }\n\n  .uwm-score-stars {\n    display: inline-flex;\n    align-items: center;\n    gap: 1px;\n    font-family: Arial, sans-serif;\n    font-size: 18px;\n    line-height: 1;\n    white-space: nowrap;\n  }\n\n  .uwm-score-stars-blue {\n    color: #075fff;\n  }\n\n  .uwm-score-stars-orange {\n    color: #ffa326;\n  }\n\n  .uwm-empty-star {\n    font-weight: 400;\n  }\n\n  .uwm-partial-star {\n    position: relative;\n    color: transparent;\n    -webkit-text-stroke: 1px #075fff;\n  }\n\n  .uwm-partial-star::before {\n    position: absolute;\n    top: 0;\n    left: 0;\n    width: 55%;\n    overflow: hidden;\n    color: #075fff;\n    content: \"\u2605\";\n    -webkit-text-stroke: 0;\n  }\n\n  .uwm-score-text {\n    color: #555555;\n    font-size: 12px;\n    line-height: 1.3;\n    font-weight: 500;\n    white-space: nowrap;\n  }\n\n  @media (max-width: 900px) {\n    .uwm-score-card {\n      min-height: 165px;\n      padding: 23px 21px 25px;\n    }\n\n    .uwm-score-heading {\n      font-size: 12px;\n    }\n\n    .uwm-score-number {\n      font-size: 41px;\n    }\n\n    .uwm-score-stars {\n      font-size: 16px;\n    }\n\n    .uwm-score-text {\n      font-size: 11px;\n    }\n  }\n\n  @media (max-width: 640px) {\n    .uwm-score-section {\n      grid-template-columns: repeat(2, minmax(0, 1fr));\n      gap: 10px;\n    }\n\n    .uwm-score-card {\n      min-height: 145px;\n      padding: 19px 14px 21px;\n    }\n\n    .uwm-score-heading {\n      font-size: 10px;\n      letter-spacing: 0.05em;\n    }\n\n    .uwm-score-content {\n      gap: 9px;\n      margin-top: 20px;\n    }\n\n    .uwm-score-number {\n      font-size: 34px;\n      letter-spacing: -1.3px;\n    }\n\n    .uwm-score-stars {\n      font-size: 13px;\n    }\n\n    .uwm-score-text {\n      font-size: 9px;\n    }\n  }\n\n  @media (max-width: 420px) {\n    .uwm-score-section {\n      grid-template-columns: 1fr;\n    }\n\n    .uwm-score-card {\n      min-height: auto;\n      padding: 20px;\n    }\n\n    .uwm-score-heading {\n      text-align: left;\n    }\n\n    .uwm-score-content {\n      justify-content: flex-start;\n    }\n  }\n<\/style>\n\n\n\n<div class=\"loaning-rate-box\">\n  <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n  <div class=\"loaning-rate-form\">\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_uwm\">\n      <span>Loan Type<\/span>\n      <strong>Purchase<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_uwm\">\n      <span>Loan Term<\/span>\n      <strong>30-Year Fixed<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_uwm\">\n      <span>City<\/span>\n      <strong>Enter your city<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_uwm\">\n      Compare\n    <\/a>\n  <\/div>\n\n  <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n<\/div>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #22c965;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  transition: background-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #1db65a;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n  box-shadow: 0 6px 14px rgba(34, 201, 101, 0.24);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/blog.loaning.ai\/en\/6102\/\">\ud83d\udc49 How to Use Loaning.ai&#8217;s Mortgage Rates Calculator?<\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-uwm-wholesale-mortgage-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>UWM Wholesale Mortgage overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">United Wholesale Mortgage (UWM) is a mortgage wholesaler, meaning it doesn\u2019t deal directly with consumers. Instead, you\u2019ll apply for a loan through a mortgage broker. UWM has been in business since 1986. The lender went public in 2021 and was the top mortgage lender by volume in the U.S. in 2024.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-pros-and-cons-of-uwm-wholesale-mortgage\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Pros and cons of UWM Wholesale Mortgage<\/strong><\/h2>\n\n\n\n<section class=\"uwm-pros-cons\">\n\n  <!-- Pros -->\n  <div class=\"uwm-pros-cons-column\">\n\n    <h3 class=\"uwm-pros-cons-title\">Pros<\/h3>\n\n    <div class=\"uwm-pros-cons-divider\"><\/div>\n\n    <ul class=\"uwm-pros-cons-list\">\n\n      <li class=\"uwm-pros-cons-item\">\n        <span class=\"uwm-pros-icon\" aria-hidden=\"true\">\u2713<\/span>\n        <span>Wide range of mortgage options<\/span>\n      <\/li>\n\n      <li class=\"uwm-pros-cons-item\">\n        <span class=\"uwm-pros-icon\" aria-hidden=\"true\">\u2713<\/span>\n        <span>\n          Frequent promotions and down payment assistance initiatives\n        <\/span>\n      <\/li>\n\n    <\/ul>\n\n  <\/div>\n\n\n  <!-- Cons -->\n  <div class=\"uwm-pros-cons-column\">\n\n    <h3 class=\"uwm-pros-cons-title\">Cons<\/h3>\n\n    <div class=\"uwm-pros-cons-divider\"><\/div>\n\n    <ul class=\"uwm-pros-cons-list\">\n\n      <li class=\"uwm-pros-cons-item\">\n        <span class=\"uwm-cons-icon\" aria-hidden=\"true\">\u00d7<\/span>\n        <span>Doesn\u2019t lend directly to borrowers<\/span>\n      <\/li>\n\n      <li class=\"uwm-pros-cons-item\">\n        <span class=\"uwm-cons-icon\" aria-hidden=\"true\">\u00d7<\/span>\n        <span>Might not have the lowest rate<\/span>\n      <\/li>\n\n    <\/ul>\n\n  <\/div>\n\n<\/section>\n\n\n<style>\n  .uwm-pros-cons,\n  .uwm-pros-cons * {\n    box-sizing: border-box;\n  }\n\n  .uwm-pros-cons {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 28px;\n    width: 100%;\n    margin: 24px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #333333;\n  }\n\n  .uwm-pros-cons-column {\n    min-width: 0;\n  }\n\n  .uwm-pros-cons-title {\n    margin: 0;\n    color: #252525;\n    font-family: inherit;\n    font-size: 18px;\n    line-height: 1.35;\n    font-weight: 700;\n    letter-spacing: -0.2px;\n  }\n\n  .uwm-pros-cons-divider {\n    width: 100%;\n    height: 1px;\n    margin: 12px 0 4px;\n    background-color: #dedbd5;\n  }\n\n  .uwm-pros-cons-list {\n    display: flex;\n    flex-direction: column;\n    gap: 16px;\n    margin: 0;\n    padding: 0;\n    list-style: none;\n  }\n\n  .uwm-pros-cons-item {\n    display: grid;\n    grid-template-columns: 22px minmax(0, 1fr);\n    align-items: start;\n    gap: 10px;\n    margin: 0;\n    padding: 16px 2px 0;\n    color: #555555;\n    font-size: 14px;\n    line-height: 1.55;\n    font-weight: 400;\n  }\n\n  .uwm-pros-icon,\n  .uwm-cons-icon {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    width: 22px;\n    height: 22px;\n    font-family: Arial, sans-serif;\n    font-size: 22px;\n    line-height: 1;\n    font-weight: 400;\n  }\n\n  .uwm-pros-icon {\n    color: #3f7d55;\n  }\n\n  .uwm-cons-icon {\n    color: #d71920;\n    font-size: 25px;\n    font-weight: 500;\n  }\n\n  @media (max-width: 760px) {\n    .uwm-pros-cons {\n      gap: 18px;\n    }\n\n    .uwm-pros-cons-title {\n      font-size: 16px;\n    }\n\n    .uwm-pros-cons-list {\n      gap: 12px;\n    }\n\n    .uwm-pros-cons-item {\n      grid-template-columns: 19px minmax(0, 1fr);\n      gap: 8px;\n      padding-top: 13px;\n      font-size: 12px;\n    }\n\n    .uwm-pros-icon,\n    .uwm-cons-icon {\n      width: 19px;\n      height: 19px;\n      font-size: 19px;\n    }\n\n    .uwm-cons-icon {\n      font-size: 22px;\n    }\n  }\n\n  @media (max-width: 520px) {\n    .uwm-pros-cons {\n      grid-template-columns: 1fr;\n      gap: 24px;\n    }\n\n    .uwm-pros-cons-title {\n      font-size: 17px;\n    }\n\n    .uwm-pros-cons-item {\n      font-size: 13px;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-how-bankrate-scored-uwm-wholesale-mortgage\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>How Bankrate scored <strong>UWM Wholesale Mortgage<\/strong><\/strong><\/h2>\n\n\n\n<h3 id=\"h-affordability-3-4-out-of-5\" class=\"wp-block-heading\" style=\"font-size:16px\"><strong>Affordability: 3.4 out of 5<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bankrate gave United Wholesale Mortgage a 3.4 out of 5 affordability score. UWM provides several low-down-payment loan options, although borrowers generally need to contact an independent mortgage broker to review current rates and personalized pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qualified borrowers may be eligible for VA or USDA financing with no down payment, FHA loans starting at 3.5% down, or conventional mortgages requiring as little as 3% down. Eligibility and final terms depend on the selected program and the borrower\u2019s financial profile.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-uwm-wholesale-mortgage-reputation\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>UWM Wholesale Mortgage<\/strong> reputation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">United Wholesale Mortgage is a leading player in the mortgage world, consistently ranking as one of the largest lenders in the country. It is accredited with the Better Business Bureau and maintains an A+ rating from the organization.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-uwm-wholesale-mortgage-customer-ratings-and-reviews\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>UWM Wholesale Mortgage<\/strong> customer ratings and reviews<\/strong><\/h2>\n\n\n\n<section class=\"uwm-review-card\">\n\n  <!-- Left: Review content -->\n  <article class=\"uwm-review-main\">\n\n    <div\n      class=\"uwm-stars uwm-stars-large\"\n      role=\"img\"\n      aria-label=\"1 out of 5 stars\"\n    >\n      <span class=\"uwm-star-filled\">\u2605<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n    <\/div>\n\n    <h3 class=\"uwm-review-title\">Terrible company<\/h3>\n\n    <p class=\"uwm-review-text\">\n      Worked through an assumption for 2 years. We were finally about to get it\n      across the finish line and they sold our loan. The gal doing the\n      assumption didn\u2019t even know.\n    <\/p>\n\n    <div class=\"uwm-review-author\">\n      <strong>Anthony<\/strong>\n      <span>Vegas (June 6, 2026)<\/span>\n    <\/div>\n\n  <\/article>\n\n\n  <!-- Right: Rating details -->\n  <aside class=\"uwm-review-details\">\n\n    <div class=\"uwm-rating-list\">\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Knowledge<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Level of service<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Professionalism<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Responsiveness<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n    <\/div>\n\n\n    <dl class=\"uwm-review-facts\">\n\n      <div class=\"uwm-fact-row\">\n        <dt>Rates and terms of loan honored?<\/dt>\n        <dd>Yes<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Closed mortgage with this lender?<\/dt>\n        <dd>Yes<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Closed on time?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Would you recommend this lender?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n    <\/dl>\n\n  <\/aside>\n\n<\/section>\n\n\n<style>\n  .uwm-review-card,\n  .uwm-review-card * {\n    box-sizing: border-box;\n  }\n\n  .uwm-review-card {\n    display: grid;\n    grid-template-columns: minmax(0, 2fr) minmax(280px, 1fr);\n    gap: 64px;\n    width: 100%;\n    margin: 28px 0;\n    padding: 30px 32px 34px;\n    background: #ffffff;\n    color: #3f3f3f;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .uwm-review-main,\n  .uwm-review-details {\n    min-width: 0;\n  }\n\n  \/*\n   * Stars\n   *\/\n  .uwm-stars {\n    display: inline-flex;\n    align-items: center;\n    color: #f5a125;\n    font-family: Arial, sans-serif;\n    letter-spacing: 1px;\n    white-space: nowrap;\n  }\n\n  .uwm-stars-large {\n    margin-bottom: 24px;\n    font-size: 24px;\n    line-height: 1;\n  }\n\n  .uwm-stars-small {\n    font-size: 20px;\n    line-height: 1;\n  }\n\n  .uwm-star-filled {\n    color: #f5a125;\n  }\n\n  \/*\n   * Main review\n   *\/\n  .uwm-review-title {\n    margin: 0 0 30px;\n    color: #050505;\n    font-size: 24px;\n    line-height: 1.3;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n  }\n\n  .uwm-review-text {\n    max-width: 760px;\n    margin: 0;\n    color: #505050;\n    font-size: 24px;\n    line-height: 1.6;\n    font-weight: 400;\n    letter-spacing: -0.3px;\n  }\n\n  .uwm-review-author {\n    display: flex;\n    flex-direction: column;\n    gap: 5px;\n    margin-top: 52px;\n    color: #474747;\n  }\n\n  .uwm-review-author strong {\n    font-size: 16px;\n    line-height: 1.4;\n    font-weight: 750;\n  }\n\n  .uwm-review-author span {\n    font-size: 16px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  \/*\n   * Rating details\n   *\/\n  .uwm-rating-list {\n    display: flex;\n    flex-direction: column;\n    gap: 29px;\n    padding-top: 96px;\n  }\n\n  .uwm-rating-row {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n    gap: 20px;\n  }\n\n  .uwm-rating-label {\n    color: #525252;\n    font-size: 18px;\n    line-height: 1.35;\n    font-weight: 400;\n  }\n\n  \/*\n   * Question and answer fields\n   *\/\n  .uwm-review-facts {\n    display: flex;\n    flex-direction: column;\n    gap: 27px;\n    margin: 65px 0 0;\n  }\n\n  .uwm-fact-row {\n    margin: 0;\n  }\n\n  .uwm-fact-row dt {\n    margin: 0 0 5px;\n    color: #555555;\n    font-size: 17px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  .uwm-fact-row dd {\n    margin: 0;\n    color: #4d4d4d;\n    font-size: 17px;\n    line-height: 1.35;\n    font-weight: 750;\n  }\n\n  \/*\n   * Tablet\n   *\/\n  @media (max-width: 900px) {\n    .uwm-review-card {\n      gap: 36px;\n      padding: 26px;\n    }\n\n    .uwm-review-text {\n      font-size: 20px;\n    }\n\n    .uwm-rating-label,\n    .uwm-fact-row dt,\n    .uwm-fact-row dd {\n      font-size: 15px;\n    }\n\n    .uwm-stars-small {\n      font-size: 17px;\n    }\n  }\n\n  \/*\n   * Mobile\n   *\/\n  @media (max-width: 700px) {\n    .uwm-review-card {\n      grid-template-columns: 1fr;\n      gap: 38px;\n      padding: 22px 18px 26px;\n    }\n\n    .uwm-stars-large {\n      margin-bottom: 18px;\n      font-size: 21px;\n    }\n\n    .uwm-review-title {\n      margin-bottom: 20px;\n      font-size: 21px;\n    }\n\n    .uwm-review-text {\n      font-size: 17px;\n      line-height: 1.6;\n    }\n\n    .uwm-review-author {\n      margin-top: 30px;\n    }\n\n    .uwm-review-author strong,\n    .uwm-review-author span {\n      font-size: 14px;\n    }\n\n    .uwm-rating-list {\n      gap: 20px;\n      padding-top: 0;\n    }\n\n    .uwm-review-facts {\n      gap: 22px;\n      margin-top: 38px;\n    }\n  }\n\n  \/*\n   * Very small mobile\n   *\/\n  @media (max-width: 420px) {\n    .uwm-rating-row {\n      grid-template-columns: 1fr;\n      gap: 7px;\n    }\n\n    .uwm-review-text {\n      font-size: 16px;\n    }\n\n    .uwm-rating-label,\n    .uwm-fact-row dt,\n    .uwm-fact-row dd {\n      font-size: 14px;\n    }\n  }\n<\/style>\n\n\n\n<section class=\"uwm-review-card\">\n\n  <!-- Left: Review content -->\n  <article class=\"uwm-review-main\">\n\n    <div\n      class=\"uwm-stars uwm-stars-large\"\n      role=\"img\"\n      aria-label=\"1 out of 5 stars\"\n    >\n      <span class=\"uwm-star-filled\">\u2605<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n    <\/div>\n\n    <h3 class=\"uwm-review-title\">Operating in the 1960s<\/h3>\n\n    <p class=\"uwm-review-text\">\n      Good luck getting anything from them. They have an online secure portal\n      but if you ask for any documents they will offer to mail or fax them.\n      They also decided to \u201ctransfer\u201d my loan from one department to another\n      in the middle of my refinance to another company, so then they said that\n      payoff statements weren\u2019t available until the transfer between their\n      offices was completed. Absolutely terrible business operations.\n    <\/p>\n\n    <div class=\"uwm-review-author\">\n      <strong>Micah<\/strong>\n      <span>Colorado (June 5, 2026)<\/span>\n    <\/div>\n\n  <\/article>\n\n\n  <!-- Right: Rating details -->\n  <aside class=\"uwm-review-details\">\n\n    <div class=\"uwm-rating-list\">\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Knowledge<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Level of service<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Professionalism<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Responsiveness<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n    <\/div>\n\n\n    <dl class=\"uwm-review-facts\">\n\n      <div class=\"uwm-fact-row\">\n        <dt>Rates and terms of loan honored?<\/dt>\n        <dd>Yes<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Closed mortgage with this lender?<\/dt>\n        <dd>Yes<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Closed on time?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Would you recommend this lender?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n    <\/dl>\n\n  <\/aside>\n\n<\/section>\n\n\n<style>\n  .uwm-review-card,\n  .uwm-review-card * {\n    box-sizing: border-box;\n  }\n\n  .uwm-review-card {\n    display: grid;\n    grid-template-columns: minmax(0, 2fr) minmax(280px, 1fr);\n    gap: 64px;\n    width: 100%;\n    margin: 28px 0;\n    padding: 30px 32px 34px;\n    background: #ffffff;\n    color: #3f3f3f;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .uwm-review-main,\n  .uwm-review-details {\n    min-width: 0;\n  }\n\n  .uwm-stars {\n    display: inline-flex;\n    align-items: center;\n    color: #f5a125;\n    font-family: Arial, sans-serif;\n    letter-spacing: 1px;\n    white-space: nowrap;\n  }\n\n  .uwm-stars-large {\n    margin-bottom: 24px;\n    font-size: 24px;\n    line-height: 1;\n  }\n\n  .uwm-stars-small {\n    font-size: 20px;\n    line-height: 1;\n  }\n\n  .uwm-star-filled {\n    color: #f5a125;\n  }\n\n  .uwm-review-title {\n    margin: 0 0 30px;\n    color: #050505;\n    font-size: 24px;\n    line-height: 1.3;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n  }\n\n  .uwm-review-text {\n    max-width: 760px;\n    margin: 0;\n    color: #505050;\n    font-size: 24px;\n    line-height: 1.6;\n    font-weight: 400;\n    letter-spacing: -0.3px;\n  }\n\n  .uwm-review-author {\n    display: flex;\n    flex-direction: column;\n    gap: 5px;\n    margin-top: 52px;\n    color: #474747;\n  }\n\n  .uwm-review-author strong {\n    font-size: 16px;\n    line-height: 1.4;\n    font-weight: 750;\n  }\n\n  .uwm-review-author span {\n    font-size: 16px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  .uwm-rating-list {\n    display: flex;\n    flex-direction: column;\n    gap: 29px;\n    padding-top: 96px;\n  }\n\n  .uwm-rating-row {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n    gap: 20px;\n  }\n\n  .uwm-rating-label {\n    color: #525252;\n    font-size: 18px;\n    line-height: 1.35;\n    font-weight: 400;\n  }\n\n  .uwm-review-facts {\n    display: flex;\n    flex-direction: column;\n    gap: 27px;\n    margin: 65px 0 0;\n  }\n\n  .uwm-fact-row {\n    margin: 0;\n  }\n\n  .uwm-fact-row dt {\n    margin: 0 0 5px;\n    color: #555555;\n    font-size: 17px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  .uwm-fact-row dd {\n    margin: 0;\n    color: #4d4d4d;\n    font-size: 17px;\n    line-height: 1.35;\n    font-weight: 750;\n  }\n\n  @media (max-width: 900px) {\n    .uwm-review-card {\n      gap: 36px;\n      padding: 26px;\n    }\n\n    .uwm-review-text {\n      font-size: 20px;\n    }\n\n    .uwm-rating-label,\n    .uwm-fact-row dt,\n    .uwm-fact-row dd {\n      font-size: 15px;\n    }\n\n    .uwm-stars-small {\n      font-size: 17px;\n    }\n  }\n\n  @media (max-width: 700px) {\n    .uwm-review-card {\n      grid-template-columns: 1fr;\n      gap: 38px;\n      padding: 22px 18px 26px;\n    }\n\n    .uwm-stars-large {\n      margin-bottom: 18px;\n      font-size: 21px;\n    }\n\n    .uwm-review-title {\n      margin-bottom: 20px;\n      font-size: 21px;\n    }\n\n    .uwm-review-text {\n      font-size: 17px;\n      line-height: 1.6;\n    }\n\n    .uwm-review-author {\n      margin-top: 30px;\n    }\n\n    .uwm-review-author strong,\n    .uwm-review-author span {\n      font-size: 14px;\n    }\n\n    .uwm-rating-list {\n      gap: 20px;\n      padding-top: 0;\n    }\n\n    .uwm-review-facts {\n      gap: 22px;\n      margin-top: 38px;\n    }\n  }\n\n  @media (max-width: 420px) {\n    .uwm-rating-row {\n      grid-template-columns: 1fr;\n      gap: 7px;\n    }\n\n    .uwm-review-text {\n      font-size: 16px;\n    }\n\n    .uwm-rating-label,\n    .uwm-fact-row dt,\n    .uwm-fact-row dd {\n      font-size: 14px;\n    }\n  }\n<\/style>\n\n\n\n<section class=\"uwm-review-card\">\n\n  <!-- Left: Review content -->\n  <article class=\"uwm-review-main\">\n\n    <div\n      class=\"uwm-stars uwm-stars-large\"\n      role=\"img\"\n      aria-label=\"1 out of 5 stars\"\n    >\n      <span class=\"uwm-star-filled\">\u2605<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n      <span>\u2606<\/span>\n    <\/div>\n\n    <h3 class=\"uwm-review-title\">Terrible experience<\/h3>\n\n    <p class=\"uwm-review-text\">\n      O above the following reasons 1) no matter how is the method of your\n      payment, funds sit for 5 days in the account. 2) requested to send paper\n      document since internet account sends errors of payment history and\n      letter of transfer for a week and half and they: A) keep feeding the\n      online account and no documents have been yet received. 3) employees and\n      supervisors play dumb or are dumb trying to work less. 4) team is unable\n      to perform simple mathematical equations. 5) they will sell your mortgage\n      with little time and great confusion. 6) I believe that employees publish\n      good reviews in order to balance the negativity. 6) overall sub quality\n      standards or Zero stars. How they get high reviews?\n    <\/p>\n\n    <div class=\"uwm-review-author\">\n      <strong>Joseph .<\/strong>\n      <span>Pennsylvania (May 27, 2026)<\/span>\n    <\/div>\n\n  <\/article>\n\n\n  <!-- Right: Rating details -->\n  <aside class=\"uwm-review-details\">\n\n    <div class=\"uwm-rating-list\">\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Knowledge<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Level of service<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Professionalism<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"uwm-rating-row\">\n        <span class=\"uwm-rating-label\">Responsiveness<\/span>\n\n        <span\n          class=\"uwm-stars uwm-stars-small\"\n          role=\"img\"\n          aria-label=\"1 out of 5 stars\"\n        >\n          <span class=\"uwm-star-filled\">\u2605<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n          <span>\u2606<\/span>\n        <\/span>\n      <\/div>\n\n    <\/div>\n\n\n    <dl class=\"uwm-review-facts\">\n\n      <div class=\"uwm-fact-row\">\n        <dt>Rates and terms of loan honored?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Closed mortgage with this lender?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n      <div class=\"uwm-fact-row\">\n        <dt>Would you recommend this lender?<\/dt>\n        <dd>No<\/dd>\n      <\/div>\n\n    <\/dl>\n\n  <\/aside>\n\n<\/section>\n\n\n<style>\n  .uwm-review-card,\n  .uwm-review-card * {\n    box-sizing: border-box;\n  }\n\n  .uwm-review-card {\n    display: grid;\n    grid-template-columns: minmax(0, 2fr) minmax(280px, 1fr);\n    gap: 64px;\n    width: 100%;\n    margin: 28px 0;\n    padding: 30px 32px 34px;\n    background: #ffffff;\n    color: #3f3f3f;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .uwm-review-main,\n  .uwm-review-details {\n    min-width: 0;\n  }\n\n  \/* Stars *\/\n  .uwm-stars {\n    display: inline-flex;\n    align-items: center;\n    color: #f5a125;\n    font-family: Arial, sans-serif;\n    letter-spacing: 1px;\n    white-space: nowrap;\n  }\n\n  .uwm-stars-large {\n    margin-bottom: 24px;\n    font-size: 24px;\n    line-height: 1;\n  }\n\n  .uwm-stars-small {\n    font-size: 20px;\n    line-height: 1;\n  }\n\n  .uwm-star-filled {\n    color: #f5a125;\n  }\n\n  \/* Review *\/\n  .uwm-review-title {\n    margin: 0 0 30px;\n    color: #050505;\n    font-size: 24px;\n    line-height: 1.3;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n  }\n\n  .uwm-review-text {\n    max-width: 780px;\n    margin: 0;\n    color: #505050;\n    font-size: 22px;\n    line-height: 1.65;\n    font-weight: 400;\n    letter-spacing: -0.25px;\n  }\n\n  .uwm-review-author {\n    display: flex;\n    flex-direction: column;\n    gap: 5px;\n    margin-top: 52px;\n    color: #474747;\n  }\n\n  .uwm-review-author strong {\n    font-size: 16px;\n    line-height: 1.4;\n    font-weight: 750;\n  }\n\n  .uwm-review-author span {\n    font-size: 16px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  \/* Rating details *\/\n  .uwm-rating-list {\n    display: flex;\n    flex-direction: column;\n    gap: 29px;\n    padding-top: 96px;\n  }\n\n  .uwm-rating-row {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n    gap: 20px;\n  }\n\n  .uwm-rating-label {\n    color: #525252;\n    font-size: 18px;\n    line-height: 1.35;\n    font-weight: 400;\n  }\n\n  \/* Questions *\/\n  .uwm-review-facts {\n    display: flex;\n    flex-direction: column;\n    gap: 27px;\n    margin: 65px 0 0;\n  }\n\n  .uwm-fact-row {\n    margin: 0;\n  }\n\n  .uwm-fact-row dt {\n    margin: 0 0 5px;\n    color: #555555;\n    font-size: 17px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  .uwm-fact-row dd {\n    margin: 0;\n    color: #4d4d4d;\n    font-size: 17px;\n    line-height: 1.35;\n    font-weight: 750;\n  }\n\n  \/* Tablet *\/\n  @media (max-width: 900px) {\n    .uwm-review-card {\n      gap: 36px;\n      padding: 26px;\n    }\n\n    .uwm-review-text {\n      font-size: 19px;\n    }\n\n    .uwm-rating-label,\n    .uwm-fact-row dt,\n    .uwm-fact-row dd {\n      font-size: 15px;\n    }\n\n    .uwm-stars-small {\n      font-size: 17px;\n    }\n  }\n\n  \/* Mobile *\/\n  @media (max-width: 700px) {\n    .uwm-review-card {\n      grid-template-columns: 1fr;\n      gap: 38px;\n      padding: 22px 18px 26px;\n    }\n\n    .uwm-stars-large {\n      margin-bottom: 18px;\n      font-size: 21px;\n    }\n\n    .uwm-review-title {\n      margin-bottom: 20px;\n      font-size: 21px;\n    }\n\n    .uwm-review-text {\n      font-size: 16px;\n      line-height: 1.65;\n    }\n\n    .uwm-review-author {\n      margin-top: 30px;\n    }\n\n    .uwm-review-author strong,\n    .uwm-review-author span {\n      font-size: 14px;\n    }\n\n    .uwm-rating-list {\n      gap: 20px;\n      padding-top: 0;\n    }\n\n    .uwm-review-facts {\n      gap: 22px;\n      margin-top: 38px;\n    }\n  }\n\n  \/* Small mobile *\/\n  @media (max-width: 420px) {\n    .uwm-rating-row {\n      grid-template-columns: 1fr;\n      gap: 7px;\n    }\n\n    .uwm-review-text {\n      font-size: 15px;\n    }\n\n    .uwm-rating-label,\n    .uwm-fact-row dt,\n    .uwm-fact-row dd {\n      font-size: 14px;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-9 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-compare-the-lowest-30-year-mortgage-rates-from-the-top-5-lenders\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Compare the lowest 30 year mortgage rates<\/strong> <strong>from the top 5 lenders<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-compare-the-lowest-30-year-mortgage-rates-from-the-top-5-lenders\">Get the lowest mortgage rates today! Compare rates from the top 5 lenders in United States, including WellsFargo and RocketMortgage.<\/p>\n\n\n\n<section class=\"loaning-rate-comparison\">\n\n  <div class=\"loaning-rate-table\">\n\n    <!-- Header -->\n    <div class=\"loaning-rate-header\">\n      <div>Company<\/div>\n      <div>Rate<\/div>\n      <div>APR<\/div>\n      <div>Points<\/div>\n    <\/div>\n\n    <!-- Loaning.ai -->\n    <div class=\"loaning-rate-row loaning-rate-row-featured\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Loaning.ai<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.000%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.110%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$5,705.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Rocket Mortgage -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Rocket Mortgage<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.125%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.196%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$8,953.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Chase -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Chase<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.125%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.308%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$14,000.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- SoFi -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>SoFi<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.250%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.465%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$12,432.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Wells Fargo -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Wells Fargo<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.500%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.625%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$4,375.00<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n\n  <!-- Assumptions -->\n  <div class=\"loaning-rate-conditions\">\n    <p>\n      * Loaning.ai, Rocket Mortgage, Chase, SoFi, and Wells Fargo:\n      Home price $1,000,000.00 \/ Loan amount $700,000.00\n    <\/p>\n\n    <p>\n      * Updated July 13, 2026 \u2014 U.S. Pacific Time\n    <\/p>\n  <\/div>\n\n<\/section>\n\n<style>\n  .loaning-rate-comparison,\n  .loaning-rate-comparison * {\n    box-sizing: border-box;\n  }\n\n  .loaning-rate-comparison {\n    width: 100%;\n    max-width: 100%;\n    margin: 22px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\",\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #2f3135;\n  }\n\n  .loaning-rate-table {\n    width: 100%;\n  }\n\n  \/* Header *\/\n  .loaning-rate-header {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1.2fr)\n      minmax(0, 0.9fr)\n      minmax(0, 0.75fr)\n      minmax(0, 1fr);\n    column-gap: 8px;\n    align-items: center;\n    min-height: 54px;\n    padding: 0 18px;\n    background: #49cd7d;\n    border-radius: 12px;\n    color: #ffffff;\n  }\n\n  .loaning-rate-header > div {\n    min-width: 0;\n    font-size: 13px;\n    line-height: 1.2;\n    font-weight: 700;\n  }\n\n  .loaning-rate-header > div:last-child {\n    text-align: right;\n  }\n\n  \/* Data rows *\/\n  .loaning-rate-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1.2fr)\n      minmax(0, 0.9fr)\n      minmax(0, 0.75fr)\n      minmax(0, 1fr);\n    column-gap: 8px;\n    align-items: center;\n    min-height: 62px;\n    margin-top: 9px;\n    padding: 13px 18px;\n    background: #f0f2f4;\n    border: 1px solid transparent;\n    border-radius: 12px;\n  }\n\n  \/* Loaning.ai green border *\/\n  .loaning-rate-row-featured {\n    border: 2px solid #49cd7d;\n  }\n\n  .loaning-rate-row > div {\n    min-width: 0;\n  }\n\n  .loaning-rate-lender {\n    color: #272a2e;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 700;\n    overflow-wrap: break-word;\n  }\n\n  .loaning-rate-value {\n    color: #303338;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    white-space: nowrap;\n  }\n\n  .loaning-rate-point {\n    text-align: right;\n  }\n\n  .loaning-mobile-label {\n    display: none;\n  }\n\n  \/* Small assumption note *\/\n  .loaning-rate-conditions {\n    margin-top: 8px;\n    padding: 0 6px;\n  }\n\n  .loaning-rate-conditions p {\n    margin: 0 0 4px;\n    color: #98a1aa;\n    font-size: 8px;\n    line-height: 1.45;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .loaning-rate-conditions p:last-child {\n    margin-bottom: 0;\n  }\n\n  \/* Tablet *\/\n  @media (max-width: 760px) {\n    .loaning-rate-header,\n    .loaning-rate-row {\n      grid-template-columns:\n        minmax(0, 1.15fr)\n        minmax(0, 0.9fr)\n        minmax(0, 0.75fr)\n        minmax(0, 1fr);\n      column-gap: 5px;\n      padding-right: 12px;\n      padding-left: 12px;\n    }\n\n    .loaning-rate-header {\n      min-height: 48px;\n    }\n\n    .loaning-rate-row {\n      min-height: 56px;\n      margin-top: 7px;\n      padding-top: 11px;\n      padding-bottom: 11px;\n    }\n\n    .loaning-rate-header > div,\n    .loaning-rate-lender,\n    .loaning-rate-value {\n      font-size: 11px;\n    }\n\n    .loaning-rate-conditions {\n      margin-top: 7px;\n      padding: 0 4px;\n    }\n\n    .loaning-rate-conditions p {\n      font-size: 7.5px;\n    }\n  }\n\n  \/* Mobile *\/\n  @media (max-width: 560px) {\n    .loaning-rate-header {\n      display: none;\n    }\n\n    .loaning-rate-row {\n      grid-template-columns: repeat(2, minmax(0, 1fr));\n      gap: 10px 14px;\n      min-height: auto;\n      padding: 15px;\n      border-radius: 11px;\n    }\n\n    .loaning-rate-lender {\n      grid-column: 1 \/ -1;\n      padding-bottom: 9px;\n      border-bottom: 1px solid #dce1e5;\n      font-size: 13px;\n    }\n\n    .loaning-rate-value {\n      display: flex;\n      flex-direction: column;\n      gap: 3px;\n      font-size: 12px;\n      white-space: normal;\n      overflow-wrap: anywhere;\n    }\n\n    .loaning-rate-point {\n      text-align: left;\n    }\n\n    .loaning-mobile-label {\n      display: block;\n      color: #828b94;\n      font-size: 8px;\n      line-height: 1.25;\n      font-weight: 700;\n      text-transform: uppercase;\n      letter-spacing: 0.03em;\n    }\n\n    .loaning-rate-conditions {\n      margin-top: 6px;\n      padding: 0 2px;\n    }\n\n    .loaning-rate-conditions p {\n      font-size: 7px;\n      line-height: 1.4;\n    }\n  }\n<\/style>\n\n\n\n<details class=\"mortgage-legal-details\">\n  <summary class=\"mortgage-legal-summary\">\n    Legal Disclosures\n    <span class=\"mortgage-legal-icon\" aria-hidden=\"true\"><\/span>\n  <\/summary>\n\n  <div class=\"mortgage-legal-content\">\n    <p class=\"mortgage-legal-last\">\n      The rates shown here are calculated under the following conditions:\n      30-Year Fixed, Level Payment, U.S. Citizen, tax returns for 2 years or more,\n      Full Documentation, Single-Family Home, Purchase, Primary Residence,\n      Credit Score (FICO) 740, DTI 45%, and LTV 70%.\n      Your actual rate, payment, and costs may differ based on your complete\n      financial profile. This is NOT a mortgage loan approval or a commitment\n      to lend.\n    <\/p>\n  <\/div>\n<\/details>\n\n<style>\n  .mortgage-legal-details,\n  .mortgage-legal-details * {\n    box-sizing: border-box;\n  }\n\n  .mortgage-legal-details {\n    width: 100%;\n    margin: 12px 0 24px;\n    overflow: hidden;\n    background: #eeeeee;\n    border: 1px solid #dddddd;\n    border-radius: 10px;\n    font-family:\n      Pretendard,\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .mortgage-legal-summary {\n    position: relative;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    width: 100%;\n    padding: 11px 14px;\n    color: #4f5459;\n    font-size: 10px;\n    line-height: 1.4;\n    font-weight: 700;\n    cursor: pointer;\n    list-style: none;\n    user-select: none;\n  }\n\n  .mortgage-legal-summary::-webkit-details-marker {\n    display: none;\n  }\n\n  .mortgage-legal-summary::marker {\n    display: none;\n    content: \"\";\n  }\n\n  .mortgage-legal-summary:hover {\n    background: #e8e8e8;\n  }\n\n  .mortgage-legal-summary:focus-visible {\n    outline: 2px solid #777777;\n    outline-offset: -2px;\n  }\n\n  .mortgage-legal-icon {\n    position: relative;\n    width: 13px;\n    height: 13px;\n    flex: 0 0 13px;\n  }\n\n  .mortgage-legal-icon::before,\n  .mortgage-legal-icon::after {\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 10px;\n    height: 1.5px;\n    background: #686d72;\n    border-radius: 2px;\n    content: \"\";\n    transform: translate(-50%, -50%);\n    transition: transform 0.2s ease;\n  }\n\n  .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n  .mortgage-legal-details[open] .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(0deg);\n  }\n\n  .mortgage-legal-content {\n    padding: 13px 15px 15px;\n    border-top: 1px solid #dadada;\n  }\n\n  .mortgage-legal-content p {\n    margin: 0;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .mortgage-legal-content .mortgage-legal-last {\n    margin-bottom: 0;\n  }\n\n  @media (max-width: 520px) {\n    .mortgage-legal-summary {\n      padding: 10px 12px;\n      font-size: 9px;\n    }\n\n    .mortgage-legal-content {\n      padding: 11px 12px 13px;\n    }\n\n    .mortgage-legal-content p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n<\/style>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=lender_compare&amp;utm_content=lender_compare_uwm\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\" id=\"h-compare-united-wholesale-mortgage-to-other-lenders\">.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Curious about UWM Wholesale Mortgage? UWM is a wholesale lender that offers mortgage products through independent brokers rather than directly to most borrowers. To help you understand its strengths and limitations, Loaning.ai reviewed Bankrate\u2019s evaluation of UWM.&nbsp;Below, we summarize the key findings and explain what borrowers should compare before choosing a lender. . At a [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":7826,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-7825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>UWM Wholesale Mortgage Review 2026 | Loaning.ai<\/title>\n<meta name=\"description\" content=\"UWM Wholesale Mortgage : Explore pros and cons, Bankrate score, customer reviews and how it compares with other mortgage lenders.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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