UWM Brokers Can Now Offer Mortgages with “Built-In Rewards”
Industry-first program provides borrower rewards and enhances mortgage broker visibility long after loans close
Pontiac, Mich., March 25, 2026 Independent mortgage brokers partnering with United Wholesale Mortgage (UWM), the nation’s #1 mortgage lender, now have access to a first-of-its-kind selling tool: the ability to offer borrowers a mortgage with “Built-In Rewards.”
As part of bringing servicing in-house, UWM-closed loans will be serviced by UWM, with borrowers having the option to make payments through Bilt. This approach puts brokers front and center, while also rewarding borrowers with Bilt points every time they make an on-time digital payment.
‘“Built-In Rewards’ will change the way consumers think about their mortgage,” said Sarah DeCiantis, Chief Marketing Officer at UWM. “Consumers expect rewards from airlines, rideshares and grocery stores, but their biggest monthly expense has never offered anything back. That changes now.”
A New Way for Mortgage Brokers to Compete
In a market where borrowers are focused on rates, “Built-In Rewards” gives UWM brokers a powerful new way to differentiate themselves. Instead of competing solely on price, speed or loan products, they can now offer borrowers something beyond any mortgage experience ever offered: a mortgage that rewards you. Every on-time digital payment reinforces that the borrower made the right choice, giving brokers a value proposition that extends well beyond the closing table.
That same value proposition makes mortgage brokers more attractive to referral partners. Real estate agents, financial advisors and other professionals want to send their clients to someone who delivers more than just a competitive rate. With “Built-In Rewards,” those partners have a compelling reason to refer business to UWM brokers, knowing their clients will have a better experience from start to finish.
This partnership also keeps UWM broker partners visible to their borrowers long after the loan closes. Every time a borrower makes a payment or receives a communication through UWM + Bilt, they’ll see their broker’s headshot, logo and contact info prominently displayed on their payment dashboard, as well as every touchpoint in between. That consistent, monthly visibility drives retention and repeat business, turning a single transaction into a lasting client relationship.
Rewarding Borrowers From Day One
Through the Bilt platform, borrowers have access to a streamlined system to manage their loan and make payments all in one place. For every on-time digital payment, points appear automatically in their Bilt account with no extra steps required.
These points can be redeemed for dining at local and national restaurants, grocery and pharmacy purchases, travel including flights, hotels and rental cars or even applied toward future principal-only mortgage payments. The Bilt app and desktop platform offer flexible digital payment options, allowing users to use their credit card, debit card or connect to their bank. Additionally, borrowers can link their everyday spending to their Bilt account to earn even more points.
The “Built-In Rewards” program is available exclusively through brokers who partner with UWM.
Additional details on the “Built-In Rewards” offerings can be found here.
UWM supports independent mortgage brokers with industry-leading training, technology and service. For more information on how to sign up as a broker with UWM or join UWM’s network, visit uwm.com.
