United Wholesale Mortgage is putting its broker pipeline behind a voice command.
The wholesale lender on Thursday unveiled a new ChatUWM mobile app that allows brokers and loan originators to ask questions about their pipeline, loan status, guidelines, and other mortgage information by speaking to an AI voice assistant.
The app replaces UWM’s existing InTouch mobile app and represents the latest expansion of ChatUWM, which the lender has been steadily turning from a mortgage chatbot into a broader operating tool for its broker partners.
One of the most practical uses may be relatively simple: asking which loans have locks expiring within the next three days.
The AI assistant can also provide pipeline insights and loan updates, according to UWM, allowing brokers to pull information from their phone without having to manually search their pipeline.
Brokers who already have the InTouch app can access the new version by updating the existing app.
From Chatbot To Broker Interface
The mobile launch comes just six weeks after UWM substantially expanded ChatUWM itself.
In August, the lender rebuilt the platform into an all-in-one AI workspace where brokers can analyze uploaded documents, summarize pipeline actions, research mortgage questions, and create marketing content and images within the same conversation.
Putting those capabilities on mobile — and adding voice — changes how brokers can interact with the system.
Rather than opening a pipeline and searching for individual loans or navigating through different tools, the new interface is designed to let an originator ask for information conversationally.
Another Piece Of UWM's Workflow Push
The launch also fits into a broader effort by UWM to reduce the number of steps and handoffs involved in originating and managing a mortgage.
Just one day earlier, UWM launched Underwriting+, which combines much of the processing and underwriting work on participating loans under one underwriter.
Under that model, the underwriter can review the file, help obtain missing documents, communicate with borrowers and third parties, resolve questions, and clear conditions. UWM said thousands of loans in the pilot averaged 8.3 days from submission to clear-to-close with 2.1 underwriting touches per file.
UWM has been making a similar push on the AI side.
Its Mia voice assistant handles borrower outreach and follow-up for brokers, including inbound calls, prequalification follow-ups, mortgage reviews, and outreach to past clients. Earlier this year, UWM Chairman and CEO Mat Ishbia said Mia was associated with roughly 80,000 to 100,000 closings over the prior year and approximately 12% to 13% of the company's refinance activity.
The recent launches point toward an increasingly conversational workflow at UWM: AI can communicate with borrowers through Mia, answer questions and analyze information through ChatUWM, and now surface pipeline information by voice from a mobile device. At the same time, Underwriting+ shifts more post-submission work from the broker to UWM's underwriting operation.
AI Push Continues After Capital Reset
The pace of technology releases is also notable following UWM's difficult second quarter.
UWM reported a $603.2 million derivatives loss tied largely to a hedge established around its failed pursuit of Two Harbors Investment Corp., contributing to a $451.9 million quarterly net loss. The company subsequently announced a capital plan of up to $2.05 billion and suspended its dividend.
Ishbia nevertheless said at the time that UWM did not intend to pull back on investments in brokers, technology, artificial intelligence, or product development.
The ChatUWM mobile launch, coming one day after Underwriting+, provides another example of that investment continuing.
