About Us

Shelby Elias. Capital City Real Estate. United Wholesale Lending. Mortgage Lending Sacramento. Mortgage Lending California.

Be Rooted Here

UWL’s success is based on a simple but effective principle: attract great people, to a great workplace, and give them the tools they need to do great work. 

We’re a winning team dedicated to making dreams come true for our team members, our referral partners, and the homeowners we all serve. We win by building partnerships, masterminding award-winning technology, and delivering a stellar client experience for homeowners.

Be Driven Here

Some companies have mottos. We have six pillars. Deep foundational beliefs that drive decisions big and small – and steer the kind of personal and professional growth that accelerates careers.

Shelby Elias. Capital City Real Estate. United Wholesale Lending. Mortgage Lending Sacramento. Mortgage Lending California.

Our Pillars:

OUR PEOPLE

Our people are the secret to UWL’s success. That’s why we invest in them with continuous and real-time training, so they can continue to set the standard.

THUMB POINTERS

If something doesn’t go as planned, we don’t play the blame game. We own it. Improve it. And learn from it.

SERVICE

Some call it customer service. We call it Younited to Wow. It means making sure every interaction is meaningful, magical, and memorable.

CONTINUOUS IMPROVEMENT

If you’re not moving forward, you’re standing still. We continuously invest in our people, introduce new technology and innovate solutions.

RELATIONSHIP DRIVEN

Our long-term reputation is more important than short-term gains. We place a premium on creating lasting relationships above all else.

FUN & FRIENDSHIP

We are big believers that work can (and should) be fun. It’s about finding your passion and purpose — but always leaving time for play.