Performance Rating Objective (Pro)

With Pro Rankings, You Are In Control Of Your Turn Times

UWM’s industry-leading tools and technology can help you build your business by increasing your efficiency. Our Performance Rating Objective (PRO) Rankings program puts you in control by rewarding you with faster turn times the more efficient you are.

At the beginning of each month, you will earn a PRO Ranking status that is based on your actions in the prior month — a combination of two categories: 1. Your average number of underwriting touches; and 2. Your total LO Partner Points earned based on your usage of UWM products, tools and technologies.

We’ll assign a score for each of these two categories (see the scoring key here), then combine them for a total PRO Score that will place you in one of three groups for that month: PRO Elite, PRO Plus or PRO Basic. Your PRO Ranking will be based on your previous month’s PRO Score. Here’s a scoring breakdown:

  PRO Elite PRO Plus PRO Basic
  PRO Score of 70+ PRO Score of 50-69 PRO Score of 49 or lower
  Initial UW Conditions Initial UW Conditions Initial UW Conditions
Conventional 1 1 2 1 2+ 1+
FHA 1 1 2 1 2+ 1+
Jumbo 1 1 3 2 3+ 2+
USDA 1 1 2 1 2+ 1+
VA 1 1 2 1 2+ 1+

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Turn Times Details

Your PRO Score will be updated on a daily basis. However, your PRO Ranking and your corresponding turn times will only be updated at the beginning of each month based on the previous month.

More About LO Partner Points And Underwriting Touches

You can earn LO Partner Points in a variety of ways, some of which are monthly, quarterly, yearly or one-time-only things — and there are numerous ways to redeem your points.

What’s considered an underwriting “touch”? Any time you or your processors upload conditions and one of our underwriters opens your file, it counts as a new touch. Make sure you’re using our time-saving tools and technology to reduce the number of touches and speed up timelines.

And Follow These Helpful Tips To Keep Your Underwriting Touches Down:

Initial Ease Setup

  • Reduce conditions and tolerance cures by completing your Service Provider List (SPL) in EASE
  • Choose who and how you want to be updated throughout the loan process in your Communication Preferences setting
  • Review your assigned AMC with your AE and add login credentials to EASE for easy ordering

One-Click AUS/EZ Findings

  • Run One-Click AUS for a side-by-side comparison of DU and LPA
  • Get simplified, straightforward findings
  • Click here to learn more


  • Verify income and assets automatically
  • Keep the file moving by reducing inaccuracies
  • Click here to learn more

Processor Assist

  • Let UWM collect the title work, homeowners insurance, payoff, condo docs and more
  • The LO or Processor will review and the LO chooses what gets submitted to the underwriter
  • Click here to learn more

Clean Approvals

  • Send short and easy-to-read approval letters
  • Receive direct communication from the underwriter on every approval
  • Submit 100% of your conditions at once to receive cleaner approvals with minimal conditions
To Assist Triggering The CD Sooner:
Complete Partner Requirements On The CD Progress Screen In Ease And Submit One Of The Following Documents For Each Category
  • Run Home Value Estimator (Click Here)
    • Estimated value must not exceed the range on the Home Value Estimator
    • Download PDF and attach with submission docs
  • Purchase Agreement
    • Only for purchases
  • Past Appraisal (If value supports)
    • Only for Refinance
  • PIW/ACE for underwriters to check for
  • Current Mortgage Statement
    • Only if it's a refinance and the escrows are broken out
  • MLS Listing from Realtor® — with current taxes listed
  • Processor Certification from local assessor (Click Here)
  • 3rd Party Tax Estimator (ex. DataTree)
  • The Annual Property Taxes on the Home Value Estimator (HVE)
  • Current Mortgage Statement
    • Only if it's a refinance and the escrows are broken out
  • Current/Old Declaration Page
  • Quote from insurance agent or Turbo Insurance Group (Click here)
    • Only for Purchases
NOTE: Taxes will only be verified if the value on the documentation provided is within 20% plus or minus of the value you input into our system at submission.

As a best practice, review the Clipboard on every loan to see when conditions need to upload per your specific PRO level. Your current level will be listed for reference and will adjust as you move levels.

Ask your AE for more details about UWM’s Performance Rating Objective.

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