{"buyer_scenarios":[{"fit":"best_suited","scenario":"Refinance borrowers with 680+ FICO, at or below 90% LTV, and at or below 45% DTI (, -4, )."},{"fit":"best_suited","scenario":"Owners whose project defect falls inside UWM's published list — commercial space up to 50%, delinquency up to 25%, reserve shortfalls with a reserve study, mandatory membership fees, or qualifying condotel features (,…"},{"fit":"best_suited","scenario":"Borrowers who can meet six months of PITIA reserves for a primary residence, or 12 months for a second home or investment property, plus two months per additional financed property (-3, -4, )."},{"fit":"best_suited","scenario":"Borrowers willing to work through an independent mortgage broker and to compare UWM against portfolio and specialty lenders using the same file (, -6)."},{"fit":"not_best_suited","scenario":"Direct-to-consumer applicants. UWM is wholesale-only and does not originate consumer loans directly; there is no public application path (, -6, )."},{"fit":"not_best_suited","scenario":"Borrowers below 680 FICO. The published minimum excludes them, and one platform noted portfolio lenders may accept 620–650 with higher rates (-6, -6 context)."},{"fit":"not_best_suited","scenario":"Projects with structural, safety, insurance, insolvency, or severe marketability problems. These fall outside UWM's listed acceptable characteristics (, -10)."},{"fit":"not_best_suited","scenario":"Borrowers needing a true portfolio loan with bespoke underwriting. No supplied source confirms UWM offers this for non-warrantable condos ."}],"citations":{"source_mix":{"company_owned":12,"independent":14,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":14,"partial":5},"total_sources":28,"unique_domain_count":19},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Refinance Lenders for Non-Warrantable Condos","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok"],"predicate":"final_consensus_rank","qualifier":"Refinancing a condo that fails standard warrantability rules","subject":"United Wholesale Mortgage","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"United Wholesale Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"United Wholesale Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"United Wholesale Mortgage","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"United Wholesale Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"United Wholesale Mortgage","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/non-warrantable-condo-refinance/united-wholesale-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/non-warrantable-condo-refinance/united-wholesale-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-7600C436E092","title":"United Wholesale Mortgage Review for Non-Warrantable Condos"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-29 16:51:41.584501+00","research_date":"2026-09-29","source_snapshot_sha256":"d1ed8fab47999696c79ef5737c38f77a7e6c60848182dbe740b63bb94f8432c6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":9,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"United Wholesale Mortgage (UWM) is a good fit for refinancing a condo that fails standard warrantability rules, but only conditionally. Two of the six platforms that evaluated fit named UWM during the ranking stage (google, grok), and all six ultimately rated it a good or strong fit for this use case. The strongest reason to consider it is UWM's Conforming Conventional Non-Warrantable Condo Program, which expressly accepts defined project defects such as commercial space up to 50% and owner delinquency up to 25%, with up to 90% LTV for qualifying borrowers. The main limitation is that UWM is…","target_buyer":"A condo owner whose building does not meet standard agency warrantability requirements and needs a specialized refinance option.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["non-warrantable condo lending expertise","portfolio loan availability","rate premium for non-warrantable status","HOA documentation requirements"],"geography":"United States","slug":"best-refinance-lenders-for-non-warrantable-condos","title":"Best Refinance Lenders for Non-Warrantable Condos","use_case":"Refinancing a condo that fails standard warrantability rules"}}