United Wholesale Mortgage Teams with Bilt to Reward On-Time Mortgage Payments with Rewards Points

United Wholesale Mortgage, the US' largest mortgage lender, is partnering with Bilt loyalty program to offer rewards points to customers who make on-time payments. Starting in 2026, customers will earn Bilt points per dollar paid, which can be used for various purposes like travel, dining, and student loan payments. This marks a new approach to rewarding borrowers and expands Bilt's offerings beyond renters.

United Wholesale Mortgage (UWM), the largest mortgage lender in the United States, has announced a strategic partnership with Bilt, a loyalty platform that rewards users for on-time payments. This collaboration will see UWM customers earn Bilt Points for each on-time mortgage payment, starting in early 2026. The initiative aims to redefine mortgage servicing and expand UWM's reach to Bilt's 5 million members.

Under the agreement, UWM customers will earn Bilt Points for every dollar paid on time. These points can be redeemed for various perks, including discounts and offers from over 40,000 local merchants across the country. The partnership represents a new value proposition for UWM's homeowners and brokers, while also expanding UWM's customer base to include Bilt's 5 million members.

"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," said Mat Ishbia, president and CEO of UWM. The phased rollout of services is set to begin in early 2026.

The partnership is part of Bilt's expansion into the mortgage space. Bilt initially launched as a rewards platform and credit card that converts rent payments into points. In July, Bilt closed a $250 million funding round led by General Catalyst and GID, with UWM contributing $100 million. This investment brought Bilt's valuation to $10.75 billion.

The collaboration follows UWM's decision earlier this year to bring servicing operations in-house, ending its relationship with Mr. Cooper Group after the latter agreed to sell to Rocket Mortgage. "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," said Ankur Jain, founder and CEO of Bilt. "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."

Since launching in 2021, Bilt has reportedly reached homes in one in four U.S. apartment buildings and partnered with 70% of the top 100 property managers. It has expanded into condo homeowners associations and student housing, including partnerships with Douglas Elliman, Century Management, and Blackstone’s American Campus Communities. Bilt expects to surpass $1 billion in revenue in the first quarter of 2026, process more than $100 billion in housing-related expenses by year's end, and drive more than $10 billion annually to local merchants.