Getting a UWM Loan Through an Independent Broker
What UWM is
United Wholesale Mortgage (UWM) is the largest wholesale mortgage lender in the country - eleven straight years, per UWM's 2025 results. UWM works only through independent mortgage brokers, not directly with borrowers.
What that means for you
Spring Home is an independent brokerage, and UWM is one of the 40+ wholesale lenders we can compare for your loan, with one advisor start to finish. For conventional loans we can run either Classic FICO or VantageScore 4.0 - as of September 2026 both score on the same pricing grid - and we pick whichever works better for your file.
Why not just go to a bank?
A retail bank quotes its own menu. We compare UWM against dozens of other wholesale lenders and show you the best fit.
Get a quote - no credit pull, no obligation.
Frequently asked questions
Can I go direct to UWM?
No - UWM is wholesale only. You reach it through an independent broker like us.
Is Spring Home part of UWM?
No. We are an independent brokerage licensed in NJ, PA and TX.
Do I have to use UWM?
No. We compare 40+ wholesale lenders, UWM included, and show you the best fit.
Where do I make my UWM payment?
On UWM's site. We can't take payments.