{"id":15576,"date":"2026-07-14T18:01:45","date_gmt":"2026-07-14T09:01:45","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=15576"},"modified":"2026-07-14T18:02:48","modified_gmt":"2026-07-14T09:02:48","slug":"united-wholesale-mortgage-review","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/15576\/","title":{"rendered":"\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0 l UWM Wholesale Mortgage Review 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0(UWM)\ub294 \ud648\ubc14\uc774\uc5b4\uc5d0\uac8c \uc9c1\uc811 \ub300\ucd9c \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\ub294 \ub300\uc2e0, \ub3c5\ub9bd \uc911\uac1c\uc778\uc744 \ud1b5\ud574 \ubaa8\uae30\uc9c0 \uc0c1\ud488\uc744 \ucde8\uae09\ud558\ub294 \ub3c4\ub9e4 \ub300\ucd9c \uae30\uad00\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\uc758 \uc7a5\ub2e8\uc810\uc744 \ud55c\ub208\uc5d0 \ud30c\uc545\ud558\uc2e4 \uc218 \uc788\ub3c4\ub85d, Loaning.ai\uc5d0\uc11c \ubc45\ud06c\ub808\uc774\ud2b8(Bankrate)\uc758 UWM \ud3c9\uac00 \uc790\ub8cc\ub97c \ubd84\uc11d\ud574 \ubcf4\uc558\uc2b5\ub2c8\ub2e4. <br>\uc544\ub798\uc5d0\uc11c, \ubaa8\uae30\uc9c0 \ub80c\ub354\ub97c \uc120\ud0dd\ud558\uae30 \uc804 \ud648\ubc14\uc774\uc5b4\uac00 \uaf2d \ube44\uad50\ud574 \ubcf4\uc544\uc57c \ud560 \uc0ac\ud56d\ub4e4\uc744 \uc9da\uc5b4\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\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-\uc720\ub098\uc774\ud2f0\ub4dc-\ud640\uc138\uc77c-\ubaa8\uae30\uc9c0-at-a-glance\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0 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    \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0(United Wholesale Mortgage)\ub294 \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ubaa8\uae30\uc9c0 \uc911\uac1c\uc778\uacfc \ud611\ub825\ud558\uc5ec \ub2e4\uc591\ud55c \ub300\ucd9c \uc635\uc158\uc744 \uc54c\uc544\ubcf4\uace0\uc790 \ud558\ub294 \ud648\ubc14\uc774\uc5b4\ubd84\ub4e4\uc5d0\uac8c \uc88b\uc740 \uc120\ud0dd\uc9c0\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\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<\/blockquote>\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<h2 id=\"h-\uc720\ub098\uc774\ud2f0\ub4dc-\ud640\uc138\uc77c-\ubaa8\uae30\uc9c0-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0<\/strong> overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0(UWM, United Wholesale Mortgage)\ub294 \ubaa8\uae30\uc9c0 \ub3c4\ub9e4 \uae30\uad00\uc73c\ub85c, \uc77c\ubc18 \ud648\ubc14\uc774\uc5b4\ub97c \uc9c1\uc811 \uc0c1\ub300\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. <br>\ub530\ub77c\uc11c \ub300\ucd9c\uc744 \ubc1b\uc73c\ub824\uba74 \ubaa8\uae30\uc9c0 \uc911\uac1c\uc778(\ube0c\ub85c\ucee4)\uc744 \uac70\uccd0\uc57c \ud558\uc8e0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1986\ub144\uc5d0 \uc124\ub9bd\ub41c \uc774\ub798 \uafb8\uc900\ud788 \uc601\uc5c5\uc744 \uc774\uc5b4\uc628 UWM\uc740 2021\ub144\uc5d0 \uc0c1\uc7a5\ud588\uc73c\uba70, 2024\ub144\uc5d0\ub294 \ub300\ucd9c \uaddc\ubaa8 \uae30\uc900 \ubbf8\uad6d 1\uc704 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud588\uc2b5\ub2c8\ub2e4.<\/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-\uc720\ub098\uc774\ud2f0\ub4dc-\ud640\uc138\uc77c-\ubaa8\uae30\uc9c0-s-pros-and-cons\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0<\/strong>&#8216;s<\/strong> <strong>Pros and cons<\/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>\ub2e4\uc591\ud55c \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc0c1\ud488<\/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          \uafb8\uc900\ud55c \ud504\ub85c\ubaa8\uc158 \ubc0f \ucd08\uae30 \uc790\uae08(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8) \uc9c0\uc6d0 \ud61c\ud0dd\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>\uc77c\ubc18 \ud648\ubc14\uc774\uc5b4\uc640 Direct \ub300\ucd9c \uac70\ub798\ub294 \ubbf8\uc9c0\uc6d0<\/span>\n      <\/li>\n\n      <li class=\"uwm-pros-cons-item\">\n        <span class=\"uwm-cons-icon\" aria-hidden=\"true\">\u00d7<\/span>\n        <span>\uc5c5\uacc4 \ucd5c\uc800 \uae08\ub9ac\uac00 \uc544\ub2d0 \uc218 \uc788\uc74c<\/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-4 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc720\ub098\uc774\ud2f0\ub4dc-\ud640\uc138\uc77c-\ubaa8\uae30\uc9c0-\uc758-bankrate-score\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0<\/strong>\uc758<\/strong> <strong>Bankrate score<\/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\ub294 \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\uc758 \uae08\ub9ac \ubc0f \ube44\uc6a9 \uacbd\uc7c1\ub825\uc744 5\uc810 \ub9cc\uc810\uc5d0 3.4\uc810\uc73c\ub85c \ud3c9\uac00\ud588\ub294\ub370\uc694!<br>\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\ub294 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \ubd80\ub2f4\uc774 \uc801\uc740 \uc5ec\ub7ec \ub300\ucd9c \uc635\uc158\uc744 \uac16\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(cf. \uc815\ud655\ud55c \uae08\ub9ac\uc640 \uc870\uac74\uc744 \uc54c\uc544\ubcf4\ub824\uba74 \ub3c5\ub9bd \ubaa8\uae30\uc9c0 \uc911\uac1c\uc778\uc5d0\uac8c \uc9c1\uc811 \ubb38\uc758\ud558\uc2dc\uae38 \uad8c\uc720\ub4dc\ub9bd\ub2c8\ub2e4.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\uaca9 \uc694\uac74\uc5d0 \ub9de\ub294 \ubd84\uc774\ub77c\uba74 \ucd08\uae30 \uc790\uae08 \uc5c6\uc774\ub3c4 \uc9c4\ud589 \uac00\ub2a5\ud55c VA \ub610\ub294 USDA \ub300\ucd9c\uc744 \ube44\ub86f\ud574, 3.5%\uc758 \ucd08\uae30 \uc790\uae08\uc73c\ub85c \uc2dc\uc791\ud558\ub294 FHA \ub300\ucd9c, \ub2e8 3%\ub9cc \uc788\uc5b4\ub3c4 \uc2e0\uccad \uac00\ub2a5\ud55c \uc77c\ubc18 \ubaa8\uae30\uc9c0 \ub4f1\uc758 \ud61c\ud0dd\uc744 \ub204\ub9ac\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <br>\ubb3c\ub860 \uc2e4\uc81c \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80\uc640 \ucd5c\uc885 \uc870\uac74\uc740 \uc120\ud0dd\ud558\uc2e0 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uacfc \uace0\uac1d\ub2d8\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub530\ub77c \uacb0\uc815\ub429\ub2c8\ub2e4<\/p>\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-\uc720\ub098\uc774\ud2f0\ub4dc-\ud640\uc138\uc77c-\ubaa8\uae30\uc9c0-\uc758-\uc2e4\uc81c-\ub9ac\ubdf0\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong style=\"font-weight: bold;\">\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0<\/strong><strong>\uc758 \uc2e4\uc81c \ub9ac\ubdf0<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\ub294 \ubaa8\uae30\uc9c0 \uc2dc\uc7a5\uc744 \uc774\ub044\ub294 \ub300\ud45c\uc801\uc778 \uae30\uc5c5\uc73c\ub85c, \ud56d\uc0c1 \ubbf8\uad6d \ucd5c\ub300 \ub300\ucd9c \uae30\uad00 \uc911 \ud558\ub098\ub85c \uaf3d\ud799\ub2c8\ub2e4. <br>\ub610\ud55c, \uae30\uc5c5 \uc2e0\ub8b0\ub3c4\ub97c \ud3c9\uac00\ud558\ub294 BBB(Better Business Bureau)\ub85c\ubd80\ud130 \uacf5\uc2dd \uc778\uc99d\uc744 \ubc1b\uc558\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc904\uace7 \ucd5c\uace0 \ub4f1\uae09\uc778 A+\ub97c \uc720\uc9c0\ud560 \ub9cc\ud07c \ubbff\uace0 \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uacf3\uc73c\ub85c \ubd88\ub9ac\uae30\ub3c4 \ud574\uc694.<\/p>\n\n\n\n<h3 id=\"h-uwm-wholesale-mortgage-\uace0\uac1d-\ud3c9\uc810-\ubc0f-\ud6c4\uae30\" class=\"wp-block-heading\" style=\"font-size:20px\"><strong><strong>UWM Wholesale Mortgage \uace0\uac1d \ud3c9\uc810 \ubc0f \ud6c4\uae30<\/strong><\/strong><\/h3>\n\n\n\n<section class=\"uwm-review-card\">\n\n  <!-- Left: Review content -->\n  <article class=\"uwm-review-main\">\n\n    <div class=\"uwm-stars uwm-stars-large\" role=\"img\" aria-label=\"1 out of 5 stars\">\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      \ubb34\ub824 2\ub144\uc5d0 \uac78\uccd0 \ub300\ucd9c \uc2b9\uacc4\ub97c \uc9c4\ud589\ud588\uc2b5\ub2c8\ub2e4. \ub9c8\uce68\ub0b4 \ubaa8\ub4e0 \uc808\ucc28\uac00 \ub05d\ub098\uac08 \ubb34\ub835\uc774\uc5c8\ub294\ub370, \ub300\ucd9c \uae30\uad00\uc774 \uc800\ud76c \ub300\ucd9c \ucc44\uad8c\uc744 \ub9e4\uac01\ud574 \ubc84\ub838\uc2b5\ub2c8\ub2e4. \uc2ec\uc9c0\uc5b4 \uc81c \uc2b9\uacc4 \uc5c5\ubb34\ub97c \ub2f4\ub2f9\ud558\ub358 \uc9c1\uc6d0\uc870\ucc28\ub3c4 \uadf8 \uc0ac\uc2e4\uc744 \uc804\ud600 \ubaa8\ub974\uace0 \uc788\ub354\ub77c\uace0\uc694.\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-large\" role=\"img\" aria-label=\"1 out of 5 stars\">\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    \uc774\uacf3\uc5d0\uc11c \ubb34\uc5b8\uac00\ub97c \uc5bb\uc5b4\ub0b4\uae30\ub780 \uc815\ub9d0 \ud798\ub4e0 \uc77c\uc785\ub2c8\ub2e4. \uc628\ub77c\uc778 \ud3ec\ud138\uc774 \uad6c\ucd95\ub418\uc5b4 \uc788\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ubb38\uc11c \ubc1c\uae09\uc744 \uc694\uccad\ud558\uba74 \uc6b0\ud3b8\uc774\ub098 \ud329\uc2a4 \ubc1c\uc1a1\ub9cc \uc81c\uc548\ud569\ub2c8\ub2e4. \uac8c\ub2e4\uac00 \uc81c\uac00 \ud0c0\uc0ac\ub85c \ub300\ud658\ub300\ucd9c\uc744 \uc9c4\ud589\ud558\ub294 \ub3c4\uc911\uc5d0 \uc81c \ub300\ucd9c \uac74\uc744 \ud0c0 \ubd80\uc11c\ub85c &#8216;\uc774\uad00&#8217;\uc2dc\ucf1c \ubc84\ub838\uc2b5\ub2c8\ub2e4. \uadf8\ub798 \ub193\uace0\uc120 \ub0b4\ubd80 \ubd80\uc11c \uac04 \uc774\uad00 \uc808\ucc28\uac00 \uc644\ub8cc\ub418\uae30 \uc804\uae4c\uc9c0\ub294 \uc0c1\ud658 \uccad\uad6c\uc11c\ub97c \ubc1c\uae09\ud560 \uc218 \uc5c6\ub2e4\uace0 \ud558\ub354\uad70\uc694. \uc5c5\ubb34 \uc6b4\uc601 \ubc29\uc2dd\uc774 \ub054\ucc0d\ud560 \uc815\ub3c4\ub85c \ud615\ud3b8\uc5c6\uc2b5\ub2c8\ub2e4.\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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 class=\"uwm-stars uwm-stars-small\" role=\"img\" aria-label=\"1 out of 5 stars\">\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<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-\ub3d9\uc77c-\uc870\uac74-\ubbf8\uad6d-\uc0c1\uc704-5\uac1c-lender\uc0ac\uc758-30\ub144-\uace0\uc815-\ucd5c\uc800-\uae08\ub9ac\ub97c-\ube44\uad50\ud574-\ubcf4\uc138\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ub3d9\uc77c \uc870\uac74, \ubbf8\uad6d \uc0c1\uc704 5\uac1c Lender\uc0ac\uc758 30\ub144 \uace0\uc815 \ucd5c\uc800 \uae08\ub9ac\ub97c \ube44\uad50\ud574 \ubcf4\uc138\uc694!<\/strong><\/h2>\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_kr&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-7 wp-block-paragraph\" id=\"h-compare-united-wholesale-mortgage-to-other-lenders\">.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0(UWM)\ub294 \ud648\ubc14\uc774\uc5b4\uc5d0\uac8c \uc9c1\uc811 \ub300\ucd9c \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\ub294 \ub300\uc2e0, \ub3c5\ub9bd \uc911\uac1c\uc778\uc744 \ud1b5\ud574 \ubaa8\uae30\uc9c0 \uc0c1\ud488\uc744 \ucde8\uae09\ud558\ub294 \ub3c4\ub9e4 \ub300\ucd9c \uae30\uad00\uc785\ub2c8\ub2e4. \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\uc758 \uc7a5\ub2e8\uc810\uc744 \ud55c\ub208\uc5d0 \ud30c\uc545\ud558\uc2e4 \uc218 \uc788\ub3c4\ub85d, Loaning.ai\uc5d0\uc11c \ubc45\ud06c\ub808\uc774\ud2b8(Bankrate)\uc758 UWM \ud3c9\uac00 \uc790\ub8cc\ub97c \ubd84\uc11d\ud574 \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc5d0\uc11c, \ubaa8\uae30\uc9c0 \ub80c\ub354\ub97c \uc120\ud0dd\ud558\uae30 \uc804 \ud648\ubc14\uc774\uc5b4\uac00 \uaf2d \ube44\uad50\ud574 \ubcf4\uc544\uc57c \ud560 \uc0ac\ud56d\ub4e4\uc744 \uc9da\uc5b4\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0 At a glance \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0(United Wholesale [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":15578,"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":[27],"tags":[],"class_list":["post-15576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category--30--"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.7) - 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