United Wholesale Mortgage (UWM) is a leading wholesale mortgage lender based in Pontiac, Michigan. It provides mortgage loans for purchase or refinance through independent brokers, offering a range of loan options and tools for loan management[1][3]. UWM's target audience is independent mortgage brokers and their clients. The unique selling proposition is its focus on the wholesale channel, which offers faster, easier, and cheaper loan processes compared to traditional lenders[2][5]. UWM supports brokers with industry-leading training and technology, positioning itself as a champion of the broker community[2][4].