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At a glance

NMLS: 3038


Rating: 3.9 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; investment property


Nationwide Availability

Available in all U.S. states

Credit Good

Min. credit score required

Minimum credit score requirements not available

Pros and cons

Checkmark Pros

  • Array of brokers to choose from (depending on location)
  • Client ratings and testimonials (not available on all broker profiles)
  • Map so borrowers can pinpoint which brokers are available in their area

Close X Cons

  • Ability to search by company or name is limited, sometimes leading to mismatched results
  • No ability to save searches
  • No information about broker’s years of experience overview is a directory homebuyers and homeowners can use to locate a mortgage broker. The website features informative profiles to help you identify a broker to work with. The companies the brokers are affiliated with also have their own profiles. Mortgage brokers pair borrowers with the best loan offers from a variety of mortgage lenders based on their circumstances and needs, often having access to lower interest rates and fees. They also help guide borrowers throughout the purchase or refinance process. Available on desktop or mobile, is maintained by United Wholesale Mortgage, one of the top wholesale mortgage lenders, although the lender does not endorse any of the brokers listed. Wholesale lenders work directly with brokers to offer loans. Borrowers generally do not pay brokers for their services; the lender who works with the broker does.

Good for 

Borrowers in search of a specific type of loan or with unique circumstances who could benefit from working with a broker

Loan types 

  • Conventional
  • Jumbo
  • FHA
  • VA
  • USDA
  • Fixed-rate
  • Adjustable-rate
  • Rate-and-term and cash-out refinancing
  • Investment property 

Lender fees is a directory of mortgage brokers and does not disclose lender fee information. Borrowers can obtain information about any fees for a specific loan offer, such as an application or origination fee, through their broker. Note that borrowers generally do not pay brokers for their services; the lender who works with the broker does.

Rates does not showcase mortgage rates; it is a directory of mortgage brokers. The broker you connect with can help you find the lowest possible rate you qualify for.


United Wholesale Mortgage, which operates, is one of the biggest lenders in the U.S. in terms of volume. It has 3.7 out of five stars on Trustpilot (although that rating is based on just one review). The lender ranked just shy of average for customer satisfaction in J.D. Power’s 2021 mortgage servicer report, which measures borrower satisfaction with their loan servicer, the entity who manages payments and loan modification or relief. 

Online services is an online search tool through which borrowers can enter an address, city or zip code to find a mortgage broker, and includes a short online form so borrowers can contact the broker. Each broker has a profile, which can include the broker’s contact information; the types of loans the broker specializes in; where the broker is licensed; what languages the broker speaks; and the broker’s rating (out of five stars) and testimonials. The companies the brokers are affiliated with also have their own profiles, with an overall rating (out of five stars), Google reviews, licensing information and a listing of each broker who works there.

The website features three calculators (how much house can you afford, monthly payment and refinance); a home value estimator; a glossary of mortgage-related terms; and guides covering the different aspects of the homebuying or refinancing process.

Minimum borrower requirements

Borrowers can obtain information about minimum requirements for a specific loan offer, such as the credit score minimum or debt-to-income (DTI) ratio maximum, through their broker.

Refinancing with

The broker you connect with through can help you identify the best option to refinance your current mortgage.

Not sure if is right for you? Consider these alternatives

Breakdown of overall review score 

  • Affordability: 3/5
  • Availability: 3.8/5
  • Borrower experience: 5/5

Review methodology 

To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology. consumer reviews


NMLS: 3038


Rating: 5 stars out of 5

1 reviews

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Rating: 5 stars out of 5
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Rating: 5 stars out of 5

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The consumer reviews posted on ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Written by

Jeff Ostrowski

Senior mortgage reporter

Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he wrote about real estate and the economy for the Palm Beach Post and the South Florida Business Journal.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor