{"id":11471,"date":"2026-01-13T18:42:07","date_gmt":"2026-01-13T18:42:07","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=11471"},"modified":"2026-03-22T15:09:40","modified_gmt":"2026-03-22T15:09:40","slug":"griffin-funding-vs-united-wholesale-mortgage-uwm-mortgage-lender-comparison","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/griffin-funding-vs-united-wholesale-mortgage-uwm-mortgage-lender-comparison\/","title":{"rendered":"Griffin Funding vs United Wholesale Mortgage (UWM): Mortgage Lender Comparison"},"content":{"rendered":"<style> .featuredImage { display:none; } <\/style>\n<h2><span style=\"font-weight: 400;\">Company Overview: Griffin Funding vs United Wholesale Mortgage (UWM)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s look at each company in turn: who they are, whom they serve, and how they operate, so you can see how they stack up.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11472\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image2.png\" alt=\"\" width=\"1158\" height=\"1020\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image2.png 1158w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image2-300x264.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image2-1024x902.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image2-768x676.png 768w\" sizes=\"auto, (max-width: 1158px) 100vw, 1158px\" \/>Griffin Funding Overview<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Griffin Funding is a direct-to-consumer mortgage lender known for specializing in VA loans, DSCR loans for real estate investors, and alternative-income loan programs such as bank-statement loans for self-employed borrowers. They primarily serve veterans, active-duty service members, real estate investors, and individuals who may not qualify through traditional W-2\u2013based underwriting.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Operating across most of the United States, <\/span><a href=\"https:\/\/griffinfunding.com\/where-we-lend\/\"><span style=\"font-weight: 400;\">Griffin Funding offers mortgage products<\/span><\/a><span style=\"font-weight: 400;\"> in 47 states and Washington, D.C., giving them near-nationwide reach. The company\u2019s strengths lie in its flexible underwriting guidelines, niche loan program expertise, and high-touch customer service approach aimed at making non-traditional borrowers feel supported throughout the lending process.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">United Wholesale Mortgage Overview<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">United Wholesale Mortgage is the largest wholesale mortgage lender in the country and operates exclusively through independent mortgage brokers rather than working directly with consumers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Founded in 1986 and headquartered in Michigan, UWM has become a dominant force in the mortgage industry through its broker-centric model and large-scale loan production. The company\u2019s market position is built on fast turn times, competitive pricing, and technology tools designed to help brokers streamline applications and close loans efficiently.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key differentiators include its investment in proprietary technology, strong broker partnerships, and an operational structure that supports brokers instead of maintaining retail branches, making UWM a powerful backend lending engine for borrowers who prefer securing loans through a mortgage broker.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Loan Products Offered<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-11473 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image4.jpg\" alt=\"A lender and borrower review a contract behind a small model home.\" width=\"1999\" height=\"761\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image4.jpg 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image4-300x114.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image4-1024x390.jpg 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image4-768x292.jpg 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image4-1536x585.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Griffin Funding Loan Programs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Griffin Funding provides a mix of <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/\"><span style=\"font-weight: 400;\">traditional loans<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/\"><span style=\"font-weight: 400;\">non-traditional mortgage products<\/span><\/a><span style=\"font-weight: 400;\">, with a strong emphasis on options for self-employed borrowers and real estate investors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key loan programs include:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><b>VA Loans<\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Designed for veterans, active-duty service members, and eligible spouses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">100% financing in many cases, flexible credit guidelines, no mortgage insurance<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-loans\/\"><b>DSCR Loans<\/b><\/a><b>\u00a0<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Created for real estate investors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Approval based on the property&#8217;s cash flow rather than personal income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ideal for borrowers with multiple properties or complex financials<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/bank-statement-loans\/\"><b>Bank Statement Loans<\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Tailored for self-employed borrowers who don\u2019t qualify using W-2s<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Income verified using 12\u201324 months of bank statements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Helpful for those with high cash flow but irregular taxable income<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/conventional-loans\/\"><b>Conventional Loans<\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Standard conforming mortgage options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Fixed-rate and adjustable-rate products<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/fha-loans\/\"><b>FHA Loans<\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Low down payment options (as low as 3.5%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">More flexible credit requirements<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/asset-based-loans\/\"><b>Asset-Based Loans<\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Qualification based on liquid assets rather than income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Useful for retirees, high-net-worth individuals, or borrowers with significant savings<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/home-equity-loans\/\"><b>Home Equity Loans<\/b><\/a><b> &amp; <\/b><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/heloc\/\"><b>HELOCs<\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Equity-based financing solutions for borrowers seeking cash-out<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Useful for investors and homeowners tapping equity for additional purchases<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Griffin Funding stands out for offering multiple alternative-income programs, making them a strong fit for self-employed borrowers, gig workers, and investors who often struggle with strict documentation requirements at traditional banks.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">UWM Loan Programs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">UWM focuses heavily on a wide range of traditional mortgages, offered exclusively through its network of independent mortgage brokers. Major loan programs offered through brokers include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Conventional Loans<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Conforming mortgages backed by Fannie Mae\/Freddie Mac<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Competitive rates due to UWM\u2019s large-scale wholesale pricing<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>FHA Loans<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Low down payments and flexible credit options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Popular for first-time homebuyers<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>VA Loans<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Zero-down options for qualified veterans and military borrowers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Brokers often leverage UWM\u2019s fast underwriting for quicker closings<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jumbo Loans<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">High-balance financing for luxury or high-cost-area properties<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Often paired with UWM\u2019s speed-focused underwriting<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Broker-Exclusive Specialty Products<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Programs only available through UWM\u2019s approved broker network<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Examples may include competitive temporary buydowns, niche refinance options, or broker-specific pricing incentives<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">How the broker-driven structure shapes borrower options:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UWM does not lend directly to consumers\u2014borrowers must work with a mortgage broker.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Brokers can shop multiple lenders, but UWM is often the backend lender chosen for its fast turn times, competitive rates, and strong technology platform.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This structure may offer borrowers more options, since brokers compare products across multiple wholesale lenders, not just UWM alone.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Customer Experience &amp; Support<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Griffin Funding Customer Experience<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">What borrowers typically experience:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personalized service model<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">One-on-one communication with a dedicated loan officer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Direct-to-consumer setup means fewer intermediaries<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast pre-approvals and underwriting<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Streamlined workflows for VA, DSCR, and bank-statement loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Quick documentation reviews, especially for alternative-income products<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong borrower feedback<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Many <\/span><a href=\"https:\/\/griffinfunding.com\/reviews\/\"><span style=\"font-weight: 400;\">Griffin Funding reviews<\/span><\/a><span style=\"font-weight: 400;\"> highlight transparency, responsiveness, and clear explanations of non-traditional loan options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Borrowers often cite <\/span><a href=\"https:\/\/griffinfunding.com\/testimonials\/non-qm-testimonials\/\"><span style=\"font-weight: 400;\">non-QM loan testimonials<\/span><\/a><span style=\"font-weight: 400;\"> referencing smoother experiences compared to big banks<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Support for non-traditional borrowers<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Specialized assistance for self-employed clients and real estate investors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Guidance through complex or alternative documentation scenarios<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">UWM Reviews<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Because UWM works exclusively through mortgage brokers, its customer experience is shaped by the broker\u2013lender partnership.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key trends in United Wholesale Mortgage reviews:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Positive trust signals<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Fast underwriting and closing times<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Competitive pricing that brokers can pass on to borrowers<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Common borrower praise<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Speed, efficiency, and smooth backend processing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Brokers note that UWM\u2019s communication systems make status updates easy<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Common complaints<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Borrowers sometimes unclear about UWM\u2019s role because they interact mainly with the broker<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Any issues often stem from the broker\u2013borrower communication gap<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Impact of the broker-driven model<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Brokers handle all borrower communication, so experiences can vary widely<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">When paired with a strong broker, UWM is often reviewed as one of the fastest and easiest wholesale lenders to work with<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Technology, Speed, &amp; Approval Process<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11474\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image3.png\" alt=\"\" width=\"898\" height=\"924\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image3.png 898w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image3-292x300.png 292w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image3-768x790.png 768w\" sizes=\"auto, (max-width: 898px) 100vw, 898px\" \/><\/span><\/h3>\n<h3><span style=\"font-weight: 400;\">Griffin Funding Technology &amp; Turn Times<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Digital mortgage platform<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Online application portal, document upload tools, and mobile-friendly borrower dashboard<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast underwriting timelines<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Particularly efficient for VA and non-QM loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Processes bank statements, assets, and investor documentation quickly<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>AI-driven underwriting<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Griffin Funding recently incorporated an AI-driven underwriting platform to speed up credit evaluation, risk assessment, and document review<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Overall speed<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Pre-approvals delivered quickly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Many alternative-income loans close faster than at traditional retail banks due to flexible guidelines<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">UWM Technology &amp; Turn Times<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ultra-fast broker-supported closings<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Many loans clear underwriting in days, not weeks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Brokers leverage UWM\u2019s tech tools (like its proprietary processing system) to keep files moving quickly<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Streamlined systems<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Automated disclosures, fast appraisal ordering, and real-time loan status<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Pros &amp; Cons: Griffin Funding vs UWM<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Griffin Funding Pros &amp; Cons<\/span><\/h3>\n<p><b>Pros<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong programs for VA borrowers<\/b><span style=\"font-weight: 400;\">: Competitive VA loan expertise and streamlined processing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Excellent for self-employed borrowers<\/b><span style=\"font-weight: 400;\">: Bank-statement, asset-based, and other <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/\"><span style=\"font-weight: 400;\">alternative mortgage loans<\/span><\/a><span style=\"font-weight: 400;\"> are available, as well as flexible documentation options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investor-friendly offerings<\/b><span style=\"font-weight: 400;\">: DSCR loans, cash-flow underwriting, and equity-based financing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Direct-to-consumer service model<\/b><span style=\"font-weight: 400;\">: Personalized attention, dedicated loan officers, and hands-on guidance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast turn times on non-traditional loans<\/b><span style=\"font-weight: 400;\">: Helpful for borrowers shut out from traditional banks.<\/span><\/li>\n<\/ul>\n<p><b>Cons<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not ideal for borrowers seeking the lowest conventional rates<\/b><span style=\"font-weight: 400;\">: Wholesale lenders and big banks may price conventional loans more aggressively.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Non-QM loans can carry higher rates\/fees<\/b><span style=\"font-weight: 400;\">: Tradeoff for flexibility and unique underwriting programs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Less appealing for \u201csimple file\u201d borrowers<\/b><span style=\"font-weight: 400;\">: W-2 borrowers with strong credit may find cheaper options elsewhere.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">UWM Pros &amp; Cons<\/span><\/h3>\n<p><b>Pros<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wholesale pricing advantage<\/b><span style=\"font-weight: 400;\">: Brokers access competitive rates that often beat retail banks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Extremely fast underwriting and closings<\/b><span style=\"font-weight: 400;\">: Popular among brokers for quick turn times.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wide range of traditional products<\/b><span style=\"font-weight: 400;\">: Strong options for conventional, FHA, and VA borrowers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Technology-driven efficiency<\/b><span style=\"font-weight: 400;\">: Broker tools, automatic disclosures, and streamlined processing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Broker shopping power<\/b><span style=\"font-weight: 400;\">: Borrowers can compare UWM against other wholesale lenders through their broker.<\/span><\/li>\n<\/ul>\n<p><b>Cons<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Broker-only access<\/b><span style=\"font-weight: 400;\">: Borrowers <\/span><i><span style=\"font-weight: 400;\">cannot<\/span><\/i><span style=\"font-weight: 400;\"> apply directly. Instead, they must work through a mortgage broker.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Experience varies by broker quality<\/b><span style=\"font-weight: 400;\">: Communication, clarity, and support depend on the broker, not UWM.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Focus on traditional mortgages<\/b><span style=\"font-weight: 400;\">: Limited availability of alternative-income or non-QM programs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Borrowers may feel disconnected<\/b><span style=\"font-weight: 400;\">: Some borrowers don\u2019t realize UWM is the actual lender behind the scenes.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Broker Pricing: UWM\u2019s Margin, Broker\u2019s Compensation, &amp; How It Affects Your Rate<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Because UWM is a wholesale lender, you can\u2019t go to UWM directly; you must work through a mortgage broker. That broker is your primary point of contact, but UWM is still the lender funding the mortgage behind the scenes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s why that matters for pricing:<\/span><\/p>\n<ul>\n<li><strong>UWM&#8217;s total gain margin (company metric):<\/strong> In Q4 2025 reporting, UWM disclosed a total gain margin of <strong>122 bps (1.22%)<\/strong> for the quarter, down from 130 bps in Q3 2025. For the full year 2025, UWM&#8217;s gain margin was <strong>116 bps (1.16%)<\/strong>. This is an operational metric that reflects company economics across production \u2014 not a guaranteed &#8220;fee&#8221; on any single borrower&#8217;s loan.<\/li>\n<li><strong>Broker compensation (a separate layer):<\/strong> With a wholesale lender, the broker is compensated separately \u2014 typically either borrower-paid OR lender-paid (structure varies by transaction and broker model, and it can&#8217;t be both). For QM loans, Regulation Z points-and-fees limits apply (often described as ~3% for larger loans, but the limits are tiered by loan size). Many wholesale lenders also set lender-paid broker compensation limits (often around ~2.75%) to help stay within points-and-fees constraints once other origination charges are included.<\/li>\n<li><strong>The combined effect (what borrowers should compare):<\/strong> When a loan is brokered to UWM, the &#8220;all-in&#8221; cost you feel can show up as a higher rate, higher closing costs, or both, depending on how pricing and compensation are structured. The best way to compare Griffin Funding vs. a broker\/UWM option is to review the full Loan Estimate side-by-side (rate, points, lender fees, broker fees\/comp, and total cash to close). Illustrative example (not your exact loan): If a wholesale lender&#8217;s company-level gain margin is 1.22% for a period, and a broker&#8217;s lender-paid comp is 2.75% on a given transaction, the combined economics in that simplified example total <strong>3.97%<\/strong>. That total doesn&#8217;t automatically appear as one line-item fee \u2014 but it can show up through the rate, points, and\/or closing costs, which is why the Loan Estimate comparison matters.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">By contrast, Griffin Funding is a consumer direct lender, meaning you work with the lender\u2019s team directly from application to closing. That typically reduces layering, increases transparency, and gives you a direct line to the people making underwriting and pricing decisions\u2014especially helpful for VA borrowers, self-employed borrowers, and investors.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Choose Between Griffin Funding and UWM<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11475\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image1.jpg\" alt=\"A young couple signing paperwork in their mortgage lender\u2019s office\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image1.jpg 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image1-300x200.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image1-1024x683.jpg 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image1-768x512.jpg 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/01\/image1-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">When deciding between Griffin Funding and UWM, the best choice depends on your income type, loan goals, and how much guidance you want during the process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choose Griffin Funding if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re self-employed and need bank-statement, asset-based, or alternative-income options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re an investor using <a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-loans\/\">DSCR loans<\/a> or purchasing multiple properties<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re a VA borrower who wants personalized guidance and fast pre-approvals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You prefer working directly with a lender (dedicated loan officer, fewer intermediaries)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your financial situation is complex, and you need flexibility that large retail or wholesale lenders may not offer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Choose UWM (through a mortgage broker) if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have strong credit and standard W-2 income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want access to multiple lenders\u2019 options, not just one<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your priority is speed, especially if your broker leverages UWM\u2019s rapid underwriting and closing<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Wrapping Up<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Choosing between Griffin Funding and UWM ultimately comes down to your borrower profile and the type of support you prefer during the mortgage process. If you\u2019re self-employed, an investor, or someone who needs flexible documentation and personalized guidance, Griffin Funding offers a direct-to-consumer experience that\u2019s hard to beat.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Griffin Funding\u2019s specialty loan programs, fast underwriting, and dedicated service make them an excellent option for borrowers who don\u2019t fit the traditional mold. Plus, with tools like the <\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"><span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\">, you can track your loan, manage documents, and stay connected throughout the entire process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"#popmake-6804\">Get started online<\/a> and find the right mortgage for your unique situation.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Company Overview: Griffin Funding vs United Wholesale Mortgage (UWM) Let\u2019s look at each company in turn: who they are, whom they serve, and how they operate, so you can see how they stack up. Griffin Funding Overview Griffin Funding is a direct-to-consumer mortgage lender known for specializing in VA loans, DSCR loans for real estate<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/griffin-funding-vs-united-wholesale-mortgage-uwm-mortgage-lender-comparison\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":11507,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-11471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Griffin Funding vs UWM: 2026 Mortgage Comparison | Griffin Funding<\/title>\n<meta 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