UWM Eliminates Credit Score Guesswork, Defaults to Best Score for Every Borrower
Business Wire•06/10/2026•14:12 ET
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Key Highlights
- ➤UWM (UWMC) now obtains FICO and VantageScore 4.0 on every credit pull
- ➤UWM automatically selects each borrower’s strongest qualifying credit score
- ➤Enhancement targets lower mortgage payments, mortgage insurance and total borrower costs
- ➤FHFA’s multiple-model approach, potentially including FICO Score 10T, is cited as driving competition
Expert Statements
Mat Ishbia, President and CEO of UWM
“Our goal is simple: put borrowers in the best possible position while making it easier for brokers to do business.”
Mat Ishbia, President and CEO of UWM
“No one should have to worry about which credit model wins. We handle that automatically by obtaining FICO and Vantage on all credit pulls to help consumers save more money and improve affordability, empowering brokers to close more loans and further strengthening UWM’s position as the mortgage industry leader in delivering innovation, value and better outcomes for brokers and borrowers alike.”
UWM Eliminates Credit Score Guesswork, Defaults to Best Score for Every Borrower
New enhancement instantly selects the strongest qualifying score, unlocking better pricing opportunities for borrowers and a simpler process for brokers
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