United Wholesale Mortgage
Last verified September 16, 2026
United Wholesale Mortgage is a mortgage lender headquartered in Pontiac, MI, operating for over 40 years. Use the mortgagee clause below to list United Wholesale Mortgage correctly on a homeowners insurance policy.
Mortgagee Clause
United Wholesale Mortgage ISAOA
Company Profile
- Headquarters
- Pontiac, MI
- Annual Loan Volume
- $139.4B
- Channel Mix
- 100% Wholesale / 0% Retail / 0% Correspondent
- Years in Business
- 40+
Source: UWM Holdings Corporation's Q4 & Full Year 2024 results press release.
Contact
- Phone
- 800-219-2236
- Website
- https://mycoverageinfo.com/uwm/policy-manager/contact-us (opens in a new tab)
Source: mycoverageinfo.com.
Mailing Address
PO Box 66876St Louis, MO 63166
Additional Notes
United Wholesale Mortgage (UWM) lends exclusively through independent mortgage brokers rather than its own retail loan officers — if UWM is your mortgagee, your loan was originated through a local broker who submitted it to UWM for funding and servicing.
Understanding Your Mortgagee Clause
A mortgagee clause is the exact wording your homeowners insurance policy must carry so that if the property is damaged, your lender's financial interest is protected alongside your own. It has three parts: the lender's legal name, the ISAOA/ATIMA designation, and the lender's mailing address for insurance correspondence — all three need to match what the lender has on file.
ISAOA stands for "Its Successors and/or Assigns." ATIMA stands for "As Their Interests May Appear." Together they mean that if your loan is later sold or transferred to another company — which happens often in the mortgage industry — your policy's protection automatically follows the loan to its new owner, with no need to update the policy yourself.
Getting the clause wrong is more than a paperwork issue: an insurer that can't match your policy to your lender's records may flag it as lapsed, which can trigger lender-placed (and usually far more expensive) coverage. If United Wholesale Mortgage has sold or transferred your loan since your policy was written, double-check the clause above against your most recent mortgage statement before renewing.