United Wholesale Mortgage — Broker Crypto Channel

Bitcoin Mortgages

United Wholesale Mortgage (UWM) operates exclusively through independent mortgage brokers, making it accessible to Bitcoin holders working with crypto-savvy brokers who can navigate digital asset documentation. UWM's wholesale channel allows brokers to originate crypto-qualified mortgages under UWM's platform, providing borrowers access to UWM's competitive pricing and broad product suite. UWM was among the first wholesale lenders to develop crypto reserve guidelines for broker partners.

Details

Note: Largest US wholesale lender; explored BTC payment pilot 2021
Lender: United Wholesale Mortgage
Founded: 1986
Ltv Max: standard (up to 97%)
Notable: UWM accepts bank statements showing crypto liquidation for down payment; largest US wholesale mortgage lender
Loan Type: Conventional mortgage with crypto asset verification
Bitcoin Only: No
Distribution: Wholesale / Broker channel
Jurisdiction: United States
Mortgage Type: Crypto-qualified (conventional / conforming)
States Available: All 50 states

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