Bilt Launches New Partnership for Earning Rewards on Mortgages

Bilt Rewards is no longer just a platform for earning points on rent.

It hasn’t been for a while, after several expansions for how you earn and use rewards, but now it’s possible to earn points on mortgage payments, thanks to Bilt’s new partnership with United Wholesale Mortgage (UWM).

What is UWM, and how does the new partnership with Bilt work? Let’s take a closer look.

What Is United Wholesale Mortgage?

United Wholesale Mortgage is based in Michigan, and it’s the largest mortgage lender in the U.S. — a title it has held for the past 10 years. UWM is also the largest purchase lender in the country.

All of UWM’s mortgage loans come via wholesale channels, relying on independent mortgage brokers. UWM offers mortgage loans in all 50 states plus Washington, D.C.

Details of Bilt’s New Partnership With United Wholesale Mortgage

Bilt’s new partnership with UWM will start in early 2026, though a specific date isn’t known at this time. Once it’s live, existing UWM customers will transition into the new system, and both they and future customers will be able to earn Bilt Points on their on-time monthly mortgage payments.

Bilt promises that all loans originating through UWM will include “embedded Bilt benefits” beyond just points from their payments. These should include “move-in gifts, milestone celebrations, and strategic refinance reminders,” though specifics of these remain unknown.

Bilt hasn’t announced exactly how members will earn Bilt Rewards on mortgage payments. Details are forthcoming, but we would expect an earning rate similar to what Bilt offers on rent payments: 1 point per $1 spent, up to 100,000 points per year. We’ll have to wait and see if the earning rate is different for those with and without Bilt’s co-branded credit card.

Putting This Into Context

Bilt Rewards launched in 2021, originally focusing on offering a way to earn points on monthly rent payments without administrative fees. Over the years, Bilt has expanded its transfer partners for points redemptions.

Bilt later expanded into student housing and student loan payments, formed an interesting partnership with Walgreens, and made other moves to allow customers to both earn and redeem points in more ways. That includes a platform for earning points while shopping for homes.

Thus, the move into earning points on mortgage payments isn’t entirely surprising. However, Bilt will have to compete with Mesa Points and its homeowners-focused credit card. Mesa offers 1 point per $1 spent on mortgage payments, up to 100,000 points per year, and doesn’t require you to use a specific mortgage provider in order to earn points.

Will Bilt match that earning rate? Will the need to use UWM be a hindrance as Bilt tries to expand into the mortgage arena? Time will tell. Success will also depend on details that aren’t available yet.

Final Thoughts

Starting in early 2026, Bilt and United Wholesale Mortgage will partner to offer points on monthly mortgage payments. While this sounds exciting, much remains unknown.

How many points will members earn, and will there be any hoops to jump through for earnings? Will there be annual earnings caps? And how will the sole mortgage provider aspect (requiring a mortgage through UWM channels) limit Bilt’s growth when Mesa doesn’t have this restriction?

Time will tell. We’ll be sure to provide updates when we know more concrete details.