United Wholesale Mortgage Announces Partnership With Google AI, Says It's 'All In' On AI

Madison Troyer

Tue, Apr 15, 2025, 7:01 AM 4 min read

• On April 8 United Wholesale Mortgage announced a partnership with Google AI

• The mortgage lender plans to use Google Cloud services to automate underwriting and streamline document handling

• According to UWM, the partnership has already allowed them to more than double their output

United Wholesale Mortgage (NYSE:UWMC), the top mortgage lender in the country, announced an AI partnership with Google Cloud on April 8. The goal of the partnership, according to the two companies, is to bring modernization to the mortgage industry.

Using Google Cloud's AI and machine learning tools, UWM hopes to increase automation in underwriting, streamline document handling, and improve client services with AI-chat tools. UWM is now among the first companies to use Google Gemini Flash 1.5 to automate its underwriting tasks.

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According to UWM, it has already increased output of underwriting loans from six a day to 14, more than doubling its productivity. This is while the industry average remains at just three loans per day.

Jason Bressler, UWM's chief technology officer, told Housingwire, "We decided to really take the plunge into everything AI probably about two years ago, and we've been working with Google on their different extraction modeling, their platform, their data lakes. We've got a pretty large partnership with Google at this point."

The two companies are also exploring other ways to expand the partnership, according UWM. UWM is looking to utilize Google Cloud Infrastructure to improve scalability and security, which will lead to a more seamless and expedited mortgage experience. It will also plans to use Google Cloud to enhance its data-driven insights, in an effort to give more personalized loan recommendations and identifications.

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Oliver Parker, Google Cloud's vice president of AI, told Housingwire the partnership is a great example of how AI can be used in technical processes like mortgage lending. "One side is helping on the back office side, the origination side and providing brokers more data quicker. The other is how you think about things on the front side. With a lot of the automation, you start to think about voice on the front end. You think about a full customer journey. Jason and I have often talked about how much more we could be doing here...that we can do when you start thinking about experience for a home buyer as well as what you could truly do for brokers and putting them in a position to be the most successful."