Purchase Originations
216,454
Ranked #1 nationally
Median Total Costs
$8,678
+29.9% vs national ($6,680)
↓ $525 vs prior year
Median Rate
6.499%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,136
Median Lender Credits
$606
Cost Rank (500+ vol.)
#483
among lenders with 500+ originations
Denial Rate
8.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 137,444 | 6.624% | $7,199 | $3,631 |
| fha | 56,671 | 6.125% | $13,224 | $3,444 |
| va | 21,361 | 6.125% | $5,872 | $0 |
| usda | 978 | 6.125% | $8,044 | $2,982 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 31,533 | 6.490% | $10,424 | #1 |
| California | 27,953 | 6.499% | $11,180 | #1 |
| Texas | 22,980 | 6.446% | $9,136 | #1 |
| Michigan | 11,450 | 6.625% | $5,488 | #1 |
| Colorado | 9,937 | 6.375% | $8,017 | #1 |
| Arizona | 9,876 | 6.452% | $9,473 | #1 |
| Georgia | 8,429 | 6.499% | $8,727 | #1 |
| New York | 8,168 | 6.465% | $10,976 | #1 |
| Illinois | 5,489 | 6.625% | $7,135 | #2 |
| Utah | 5,195 | 6.375% | $8,283 | #1 |
| Washington | 4,821 | 6.499% | $9,068 | #1 |
| Ohio | 4,608 | 6.570% | $6,684 | #4 |
| North Carolina | 4,321 | 6.491% | $7,372 | #6 |
| Pennsylvania | 4,234 | 6.500% | $7,666 | #3 |
| Minnesota | 3,949 | 6.500% | $7,062 | #2 |
| Tennessee | 3,901 | 6.375% | $8,621 | #1 |
| Virginia | 3,842 | 6.492% | $8,679 | #2 |
| Indiana | 3,014 | 6.500% | $5,861 | #2 |
| New Jersey | 3,011 | 6.542% | $11,759 | #2 |
| Nevada | 2,998 | 6.462% | $10,654 | #1 |
| Kentucky | 2,936 | 6.615% | $5,957 | #1 |
| Louisiana | 2,816 | 6.490% | $7,932 | #1 |
| South Carolina | 2,640 | 6.499% | $8,495 | #2 |
| Maryland | 2,579 | 6.499% | $9,751 | #2 |
| Missouri | 2,529 | 6.599% | $5,450 | #4 |
| Oregon | 2,487 | 6.500% | $8,880 | #2 |
| Massachusetts | 2,484 | 6.535% | $9,228 | #3 |
| Alabama | 2,452 | 6.250% | $7,029 | #1 |
| Idaho | 1,689 | 6.125% | $8,835 | #2 |
| Wisconsin | 1,489 | 6.596% | $4,550 | #6 |
| Connecticut | 1,460 | 6.599% | $9,270 | #2 |
| Maine | 1,116 | 6.621% | $5,618 | #1 |
| New Mexico | 1,024 | 6.421% | $7,689 | #3 |
| New Hampshire | 1,019 | 6.624% | $6,279 | #2 |
| Oklahoma | 966 | 6.499% | $7,000 | #10 |
| Kansas | 956 | 6.550% | $6,222 | #6 |
| Hawaii | 698 | 6.249% | $12,234 | #1 |
| Montana | 642 | 6.463% | $7,843 | #2 |
| Iowa | 627 | 6.500% | $5,322 | #12 |
| Nebraska | 591 | 6.598% | $4,560 | #6 |
| Wyoming | 533 | 6.124% | $7,822 | #2 |
| Arkansas | 515 | 6.490% | $6,081 | #12 |
| Mississippi | 501 | 6.500% | $6,942 | #11 |
| North Dakota | 448 | 6.499% | $5,978 | #2 |
| Delaware | 348 | 6.490% | $9,732 | #7 |
| West Virginia | 334 | 6.500% | $7,118 | #10 |
| Alaska | 249 | 6.125% | $8,997 | #6 |
| Rhode Island | 247 | 6.500% | $8,502 | #9 |
| South Dakota | 211 | 6.414% | $7,001 | #10 |
| Vermont | 87 | 6.500% | $5,975 | #14 |
| District of Columbia | 72 | 6.500% | $10,774 | #21 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,289 | 6.625% | — | 2,425 | −$3,389 | |
| 2 | $5,500 | 6.624% | — | 2,051 | −$3,178 | |
| 3 | $5,689 | 6.625% | — | 2,755 | −$2,989 | |
| 4 | $7,735 | 6.625% | — | 2,612 | −$943 | |
| 5 | $8,102 | 6.471% | — | 1,773 | −$576 | |
| 6 | $8,278 | 6.499% | — | 2,390 | −$400 | |
| 7 | $8,745 | 6.115% | — | 1,746 | +$67 | |
| 8 | $9,129 | 6.490% | — | 1,742 | +$451 | |
| 9 | $9,149 | 6.490% | — | 4,267 | +$471 | |
| 10 | $9,573 | 6.471% | — | 6,839 | +$895 | |
| 11 | $10,128 | 6.490% | — | 2,147 | +$1,450 | |
| 12 | $10,696 | 6.489% | — | 2,230 | +$2,018 | |
| 13 | $11,007 | 6.500% | — | 2,051 | +$2,329 | |
| 14 | $11,418 | 6.424% | — | 2,005 | +$2,740 | |
| 15 | $11,602 | 6.485% | — | 3,239 | +$2,924 | |
| 16 | $12,803 | 6.499% | — | 3,005 | +$4,125 | |
| 17 | $12,874 | 6.498% | — | 2,997 | +$4,196 | |
| 18 | $13,387 | 6.499% | — | 2,014 | +$4,709 | |
| 19 | $13,764 | 6.500% | — | 3,395 | +$5,086 | |
| 20 | $14,498 | 6.500% | — | 2,902 | +$5,820 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | United Wholesale Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $8,678 | $7,127 | +$1,551 (+21.8%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.