UWM adds 50-bps incentive for brokers as spring home purchase season ramps up

United Wholesale Mortgage (UWM) is offering a new 50-basis-point pricing incentive on purchase loans this week, one piece of a wider set of rate specials the lender is using to support broker volume in a competitive spring market.

The program, called Purchase Boost 50, provides the pricing incentive on purchase loans locked between April 8 and April 14. It’s available on conventional and government loans for primary residences, second homes and investment properties across all terms.

There are some caveats. It requires a minimum 700 FICO score and does not apply to bank-statement loans, Investor Flex (debt-service-coverage ratio loans), home equity lines of credit, jumbo loans, one-time-close new construction, CalHFA or Home Sweet Texas programs.

The offer is limited to purchase transactions and cannot be combined with UWM’s Control Your Price basis-point credits. But the promotion can be combined with UWM’s existing $600 appraisal credit for purchases. Where eligibility overlaps, borrowers can receive both the 50-bps pricing improvement and an appraisal credit on a single transaction, the company explained.

The incentive activity is unfolding as UWM works to maintain its position at the top of the origination market. An analysis of 2025 Home Mortgage Disclosure Act (HMDA) data by Polygon Research found that UWM ranked first by origination volume with $164.3 billion but trailed Rocket Mortgage by loan count, with 422,120 loans for UWM versus Rocket’s 429,332. 

Competitors are also using scale and strategic moves to protect market share.

Rocket expanded its footprint in 2025 through acquisitions of Redfin and Mr. Cooper Group. CrossCountry Mortgage has built a builder-focused division, expanded its nonagency platform and recently outbid UWM to acquire Two Harbors Investment Corp., a real estate investment trust with a sizable servicing portfolio.

Flávia Furlan Nunes reported and wrote this article with drafting assistance from HousingWire Automation, an editorial tool that helps transform announcements and industry data into HousingWire-style news coverage.