United Wholesale Mortgage (UWM) is working with housing loyalty platform Bilt to announce a partnership where UWM mortgage customers can earn Bilt Points with each on-time payment, while accessing exclusive benefits.
Bilt, which started by letting renters earn points on rent payments without transaction fees, announced in July 2025 its expansion into the entire housing payment journey, including mortgage servicing and originations.
Through this partnership, UWM is allowing its 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.
- Access exclusive neighborhood benefits, including special offers from more than 40,000 local merchants nationwide.
- Earn Bilt Points during origination, as Bilt's five million-plus 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.”
Bilt serves members across every stage of the homeownership journey:
- Through partnerships helping younger Americans begin earning rewards and building credit history from their very first housing payment.
- Bilt offers reporting of rent payments to all three major credit bureaus that can be helpful to qualify for mortgages.
- Bilt's homebuying platform enables members to discover homes based on all-in pricing.
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."
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 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."
Back in July, Bilt Rewards closed a $250 million funding round, pushing its valuation to $10.75 billion, and $100 million of this round came from UWM.
