United Wholesale Mortgage (UWM) recently announced a series of legal victories in its ongoing litigation surrounding the controversial “All In” Addendum.
The clause, colloquially referred to as “The Ultimatum,” forbids broker partners who send loans to UWM from also doing business with Rocket Mortgage and Fairway Independent Mortgage Corp.
Violators of UWM’s ultimatum face steep penalties: either $5,000 per offending loan or $50,000 in liquidated damages — whichever is greater. Brokers who declined to sign the addendum would lose the ability to work with UWM altogether.
As a result, UWM has taken legal action against several firms it accuses of breaching the agreement, including America’s Moneyline (AML), Kevron Investments, Inc. and Mid Valley Funding & Investments, among others.
UWM’s latest win came yesterday when Judge Laurie Michelson of the Eastern District of Michigan denied AML’s motion to dismiss UWM’s amended complaint that it filed on March 7.
The original suit, filed in February 2022, against AML sought $2.8 million in damages for breaching contracts. In February 2025, the court rejected AML’s claim that the All In initiative was unlawful. UWM said the court also allowed it to amend its complaint to include a newly formed entity tied to AML’s ownership, which was the March 7 filing.
AML did not immediately return HousingWire’s request for comment at the time of publication.
In its other claims aside from the AML case, UWM sought $310,000 from Mid Valley Funding and $110,000 from Kevron Investments. In early 2024, UWM also sued Atlantic Trust Mortgage for allegedly submitting 71 loans to Rocket Pro — a purported violation that could cost the broker at least $355,000 under the addendum’s terms.
While these litigations are not UWM’s first legal wins in regard to the ultimatum, recent judicial decisions have gone in their favor.
“UWM was sued in multiple jurisdictions alleging that the All In initiative was unlawful. Each of those attempts failed and multiple courts have properly held that the initiative is perfectly legal,” shared a UWM spokesperson. “These legal victories have set a new standard for our ongoing cases.”
On March 31, Judge Michelson granted UWM’s Motion for Summary Judgment against Kevron Investments, a ruling that awarded UWM $70,000 in damages, along with attorney fees and costs. The damages, which were calculated based on the liquidated damages provision in the agreement, amounted to $5,000 for each of the 14 loans that violated the terms, according to UWM.
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