Skip to main content

United Wholesale Mortgage Expands Safe Check Offerings, Including Hard Credit Check

Sep 06, 2023
Uwm front building with sign
News Director

New features aim to protect brokers and borrowers from excessive trigger lead solicitations and soaring credit costs.

United Wholesale Mortgage (UWM) will expand its Safe Check program to include government and jumbo loans along with conventional loans and up the ante with a tri-merge hard credit report for the same $23. 

This move aims to safeguard independent mortgage brokers and their borrowers from unsolicited trigger lead solicitations while also helping consumers manage rising credit costs.

Initially launched in October 2022, Safe Check started by offering single-bureau soft credit checks for $10. The program was updated in January 2023 to allow brokers to order a pre-qualification based on a three-bureau soft credit check for $23.

With the newly introduced Safe Check Complete, brokers can take this further. For the same $23, UWM will pull a tri-merge hard credit report without any additional burden on the borrower’s wallet. Furthermore, LOs will have the option to recoup the Safe Check Complete cost at the loan's closing.

“The cost of credit reports continues to increase and trigger lead solicitations have reached excessive levels. Safe Check, along with the expanded version, Safe Check Complete, provides protection from these unwanted calls, along with unmatched credit cost-saving opportunities for both the broker and the borrower," Nicole Roberts, a UWM spokeswoman said. 

The expansion comes at a pivotal time for both brokers and borrowers, as the housing market faces a range of challenges, from declining mortgage applications to rising interest rates.

About the author
Christine Stuart is the news director at NMP.
Published
Sep 06, 2023
HUD Freezes Foreclosures On FHA Mortgages In Texas Flood Zone

Kerr County homeowners among hardest hit in disaster that’s claimed more than 100 lives

Jul 09, 2025
Fewer Canadians Hunt For U.S. Property

Largest component of international buyers in U.S. takes more than 25% hit

Jul 08, 2025
Fannie, Freddie Now Allow Lenders To Use VantageScore 4.0

Lenders will keep tri-merge credit scoring model; what this shift means

Fairway Independent Mortgage Corporation Announces Rebranding

Now Fairway Home Mortgage, company also donates $1M to support relief efforts in deadly Texas flooding

Jul 07, 2025
FHFA Chief Officially Calls For Investigation Of Federal Reserve Chairman Powell

Alleges Powell lied in testimony to Congress regarding Fed building renovations, says Fed Chair should be fired

BBB Will Impact Homeowners, Buyers

U.S. House and Senate must agree on certain tax, mortgage insurance premium deductions