Requirements
United Wholesale Mortgage lending requirements
The published qualifying criteria for United Wholesale Mortgage — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
640
United Wholesale Mortgage sets its credit floor at 640. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Minimum DSCR
0.00
A 0.00 minimum means United Wholesale Mortgage does not test the property's rent against its payment at all. A deal that runs cash-flow negative on a straight rent-versus-payment basis can still qualify here, on whatever other criteria the program applies. See How DSCR is calculated.
Maximum leverage
80% LTV / 80% LTC
Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 80% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what United Wholesale Mortgage will actually lend against the project.
Loan size
$50,000 – $3,000,000
Loan sizes run from $50,000 to $3,000,000. A deal outside that band, in either direction, is outside United Wholesale Mortgage's box regardless of credit score or DSCR.
Origination channel
Broker only
United Wholesale Mortgage originates exclusively through mortgage brokers; a borrower cannot apply to United Wholesale Mortgage directly.
State coverage
35 states
United Wholesale Mortgage is licensed in 35 states as of the verification date below. A property outside that footprint is not eligible here regardless of how it scores on every other criterion.
Reading these thresholds together
United Wholesale Mortgage publishes 6 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by United Wholesale Mortgage as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.