Grade D · 0% of disclosures flagged for junk fees
Mortgage Company · Michigan · NMLS #3038
Avg Closing Costs
$8,162
median across reports
vs. National Average
139%
above national avg
Avg Origination Charge
$5,429
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $5,429 | $1,591 | 🔺 High |
| discount_points | $4,325 | $2,287 | 🔺 High |
| Title Insurance | $2,652 | $3,111 | 🟢 Below Avg |
| lender_credits | $2,530 | $450 | 🔺 High |
| Underwriting Fee | $1,011 | $1,473 | 🟢 Below Avg |
| Appraisal | $749 | $1,081 | 🟢 Below Avg |
| Settlement/Closing Fee | $678 | $986 | 🟢 Below Avg |
| Processing Fee | $544 | $790 | 🟢 Below Avg |
| Rate Lock Fee | $358 | $340 | 🟡 Average |
| Title Search | $272 | $392 | 🟢 Below Avg |
| Recording Fee | $237 | $344 | 🟢 Below Avg |
| Document Preparation | $171 | $147 | 🔴 Above Avg |
| Tax Service Fee | $88 | $128 | 🟢 Below Avg |
| Wire Transfer Fee | $47 | $69 | 🟢 Below Avg |
| Credit Report | $47 | $69 | 🟢 Below Avg |
| Courier/Delivery | $40 | $58 | 🟢 Below Avg |
| Flood Certification | $16 | $23 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 377,502 homebuyer-submitted Closing Disclosures, United Wholesale Mortgage's median total closing costs are $8,162. This is about 139% above the $3,412 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Michigan
State-specific benchmarks for Michigan.
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Compare United Wholesale Mortgage with another lender
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Aggregates from United Wholesale Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
216,454
Ranked #1 nationally
Median Total Costs
$8,678
+29.9% vs national ($6,680)
Median Rate
6.499%
+0.1% vs national (6.490%)
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 |
| This lender | Florida median | National median | |
|---|---|---|---|
| Total Closing Costs | $10,424 | $8,663 | $6,680 |
| Interest Rate | 6.490% | 6.380% | 6.490% |
| Originations in state | 31,533 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 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 |