UNITED WHOLESALE MORTGAGE, LLC closing costs and rates (2024)
In 2024, UNITED WHOLESALE MORTGAGE, LLC originated 220,509 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $9,203. That ranks #1 nationally by origination volume. For total closing costs among lenders with 500+ originations, UNITED WHOLESALE MORTGAGE, LLC ranks #517. That is $2,462 above the national median of $6,741. UNITED WHOLESALE MORTGAGE, LLC is most active in Florida with 32,231 originations there.
Purchase Originations
220,509
Ranked #1 nationally
Median Total Costs
$9,203
+36.5% vs national ($6,741)
Median Rate
6.624%
+0.1% vs national (6.620%)
Median Origination
$4,056
Median Lender Credits
$707
Cost Rank (500+ vol.)
#517
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 144,884 | 6.625% | $7,829 | $4,444 |
| fha | 53,464 | 6.249% | $14,187 | $4,570 |
| va | 21,037 | 6.249% | $6,763 | $0 |
| usda | 1,124 | 6.249% | $8,152 | $3,260 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 32,231 | 6.624% | $11,099 | #1 |
| California | 31,106 | 6.504% | $11,914 | #1 |
| Texas | 23,178 | 6.500% | $9,468 | #1 |
| Michigan | 11,039 | 6.750% | $5,928 | #1 |
| Colorado | 10,129 | 6.499% | $8,766 | #1 |
| Arizona | 9,963 | 6.500% | $10,050 | #1 |
| Georgia | 8,266 | 6.500% | $9,127 | #1 |
| New York | 8,166 | 6.549% | $12,043 | #1 |
| Utah | 5,645 | 6.500% | $8,819 | #1 |
| Illinois | 5,344 | 6.874% | $7,711 | #2 |
| Washington | 4,841 | 6.500% | $9,581 | #1 |
| North Carolina | 4,696 | 6.622% | $7,298 | #4 |
| Pennsylvania | 4,375 | 6.625% | $7,912 | #3 |
| Ohio | 4,212 | 6.749% | $7,020 | #4 |
| Tennessee | 3,993 | 6.499% | $8,855 | #1 |
| Virginia | 3,773 | 6.500% | $8,876 | #2 |
| Minnesota | 3,767 | 6.625% | $7,534 | #1 |
| New Jersey | 3,509 | 6.624% | $11,086 | #2 |
| Nevada | 3,232 | 6.545% | $10,715 | #1 |
| Kentucky | 2,953 | 6.749% | $6,166 | #1 |
| Indiana | 2,719 | 6.625% | $6,258 | #4 |
| Oregon | 2,706 | 6.500% | $9,884 | #2 |
| South Carolina | 2,698 | 6.624% | $8,609 | #2 |
| Louisiana | 2,564 | 6.563% | $8,429 | #1 |
| Maryland | 2,549 | 6.624% | $10,169 | #3 |
| Alabama | 2,499 | 6.470% | $7,145 | #1 |
| Massachusetts | 2,487 | 6.625% | $9,856 | #3 |
| Missouri | 2,441 | 6.750% | $5,875 | #4 |
| Idaho | 1,806 | 6.250% | $9,459 | #2 |
| Connecticut | 1,514 | 6.625% | $9,886 | #2 |
| Wisconsin | 1,273 | 6.750% | $5,070 | #8 |
| New Mexico | 1,109 | 6.500% | $7,668 | #3 |
| Oklahoma | 1,099 | 6.624% | $7,884 | #7 |
| Maine | 1,076 | 6.750% | $6,488 | #1 |
| New Hampshire | 905 | 6.666% | $7,356 | #2 |
| Kansas | 818 | 6.625% | $6,216 | #6 |
| Hawaii | 810 | 6.250% | $12,173 | #1 |
| Montana | 620 | 6.500% | $7,367 | #2 |
| Iowa | 543 | 6.700% | $5,481 | #11 |
| Nebraska | 506 | 6.750% | $5,186 | #9 |
| Arkansas | 501 | 6.500% | $5,995 | #11 |
| Mississippi | 487 | 6.625% | $7,477 | #9 |
| Wyoming | 416 | 6.374% | $7,988 | #2 |
| West Virginia | 377 | 6.625% | $6,907 | #9 |
| North Dakota | 373 | 6.624% | $5,956 | #3 |
| Delaware | 319 | 6.624% | $10,064 | #8 |
| Rhode Island | 254 | 6.624% | $9,076 | #8 |
| Alaska | 239 | 6.250% | $8,919 | #5 |
| South Dakota | 215 | 6.625% | $7,481 | #9 |
| District of Columbia | 98 | 6.625% | $13,268 | #14 |
| Vermont | 70 | 6.624% | $8,371 | #15 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,758 | 6.816% | — | 2,413 | −$3,445 | |
| 2 | $6,214 | 6.750% | — | 2,029 | −$2,989 | |
| 3 | $6,313 | 6.750% | — | 2,752 | −$2,890 | |
| 4 | $8,360 | 6.875% | — | 2,539 | −$843 | |
| 5 | $8,692 | 6.590% | — | 1,971 | −$511 | |
| 6 | $8,842 | 6.624% | — | 2,553 | −$361 | |
| 7 | $9,154 | 6.125% | — | 1,874 | −$49 | |
| 8 | $9,359 | 6.500% | — | 4,215 | +$156 | |
| 9 | $9,705 | 6.604% | — | 1,840 | +$502 | |
| 10 | $10,159 | 6.500% | — | 6,867 | +$956 | |
| 11 | $10,730 | 6.624% | — | 2,058 | +$1,527 | |
| 12 | $10,738 | 6.624% | — | 2,465 | +$1,535 | |
| 13 | $11,219 | 6.625% | — | 2,047 | +$2,016 | |
| 14 | $11,789 | 6.624% | — | 1,900 | +$2,586 | |
| 15 | $12,601 | 6.499% | — | 3,582 | +$3,398 | |
| 16 | $13,105 | 6.625% | — | 3,580 | +$3,902 | |
| 17 | $13,459 | 6.399% | — | 3,505 | +$4,256 | |
| 18 | $14,174 | 6.486% | — | 2,390 | +$4,971 | |
| 19 | $15,041 | 6.625% | — | 4,343 | +$5,838 | |
| 20 | $15,203 | 6.625% | — | 3,508 | +$6,000 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.