UWM and Bilt Announce Groundbreaking Partnership to Transform the Mortgage Experience with Rewards Throughout Homeownership
Today’s Announcement Makes UWM the First Mortgage Platform Where its Customers Can Earn Rewards on Mortgage Payments with Bilt
Pontiac, Mich. and New York, Ny., October 14, 2025 – United Wholesale Mortgage (UWM), the nation's largest mortgage lender, and Bilt, the nation's leading housing and neighborhood loyalty platform, today announced a groundbreaking strategic partnership that reimagines the mortgage experience through the entire homeownership journey.
UWM mortgage customers can earn valuable Bilt Points with each on-time payment while accessing exclusive Neighborhood Benefits™ — creating an entirely new value proposition for both homeowners and the independent mortgage brokers who serve them.
This partnership marks a pivotal milestone by combining the strengths of two industry leaders, UWM and Bilt, to support Americans throughout their entire housing journey — from student housing and first apartments through rental, home purchase, and now mortgage servicing. UWM is renowned for offering a faster, easier, and cheaper mortgage experience through mortgage brokers, while Bilt provides its members with the most valuable points in the loyalty rewards industry. Together, they’re helping customers build their credit histories, find and purchase homes, and earn rewards throughout their mortgage journey — transforming the American dream into a rewarding reality at every step, while delivering unparalleled value to both consumers and mortgage brokers alike.
Transforming the Consumer Mortgage Experience
Through this partnership, UWM becomes the first mortgage platform allowing its loan customers to earn rewards on their mortgage payments and enabling customers to:
- Earn Bilt Points with every on-time mortgage payment through Bilt's reward program, ranked as the highest-value rewards currency in the market;
- Experience the industry's fastest, most seamless, and cost efficient origination process through UWM;
- Access exclusive neighborhood benefits including special offers from more than 40,000 local merchants nationwide, making homeownership more rewarding beyond the four walls of one’s home;
- Earn Bilt Points during origination—Bilt's 5+ million members can earn points on their monthly payments when working with UWM brokers.
“This partnership with Bilt is a game-changer for our broker partners, consumers and the industry as a whole,” said Mat Ishbia, President and CEO of UWM. “By integrating Bilt into our servicing platform, we are reimagining how a borrower views and thinks about their mortgage payments, while also creating an unmatched lead generation tool and exceptional client engagement for brokers. This will redefine industry standards, putting relationship-building at the center of mortgage servicing and elevate the wholesale channel to a new level.”
Completing the Full Housing Lifecycle
Bilt has created the nation's most comprehensive housing platform, serving members across every stage of their journey:
- Student Housing & First Apartments: Through partnerships including Blackstone's American Campus Communities and coverage of 1-in-4 apartment buildings nationwide, Bilt helps younger Americans to start earning rewards and building credit history from their very first housing payment
- Credit History Building for Qualification: Bilt offers reporting of rent payments to all three major credit bureaus that can be helpful to qualify for mortgages
- Home Discovery & Purchase: Bilt's home buying platform enables members to instantly discover homes based on all-in pricing
- Mortgage Servicing & Homeownership: Through the UWM partnership, Bilt extends the journey to reward customers throughout the life of their mortgage while keeping them connected to their neighborhood
"We've built Bilt to transform every stage of the housing journey into an opportunity," said Ankur Jain, Founder and CEO of Bilt. "Our members have been building credit and earning rewards as renters, saving those Bilt Points toward down payments, and using our platform to find and buy homes. With UWM, we're completing the circle—they'll continue earning rewards with every mortgage payment. This is the full lifecycle of housing, all on one platform."
Empowering Brokers with Next-Generation Tools
The partnership delivers unprecedented value to independent mortgage brokers through a comprehensive platform that extends their relationship with clients far beyond closing. Every loan originated through UWM includes embedded Bilt benefits that reward clients monthly, creating differentiation and value that extends throughout homeownership.
Brokers will have access to powerful tools to maintain top-of-mind awareness as clients make monthly mortgage payments, including automated touchpoints like move-in gifts, milestone celebrations, and strategic refinance reminders all tied back to the originating broker. The platform also includes marketing campaign capabilities at key moments through the customer lifecycle.
"This platform helps brokers win new, high-intent, leads from Bilt's ecosystem," said Ishbia. "We're giving independent brokers access to millions of qualified Bilt members who have been building credit and saving for homeownership, while providing tools that make every loan they close more valuable to their clients."
Building on Shared Vision and Scale
Today’s announcement builds on significant momentum from both companies. Bilt recently announced $250 million in new funding at a $10.75 billion valuation, led by General Catalyst and GID, with UWM investing $100 million as part of the strategic partnership. The company has partnerships covering 1-in-4 apartment buildings nationwide, over 40,000 merchant partnerships, and relationships with 70% of the nation's top 100 property managers.
