United Wholesale Mortgage, LLC mortgage approval rate & lending review
United Wholesale Mortgage, LLC decided 1,107,673 mortgage applications and funded 937,789 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Wholesale Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to uwm.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
United Wholesale Mortgage, LLC at a glance
Approval is 4.1 points above the 82.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 593,609 / 657,448 | 99% | $365K | 587,077 |
| Cash-out refinance | 76% | 129,318 / 169,409 | 97% | $255K | 125,409 |
| Refinance | 86% | 152,177 / 176,782 | 95% | $425K | 144,749 |
| Investment property purchase | 85% | 50,263 / 59,174 | 99% | $255K | 49,539 |
| Investment cash-out refinance | 70% | 22,658 / 32,250 | 98% | $205K | 22,315 |
| Investment refinance | 70% | 8,885 / 12,610 | 98% | $295K | 8,700 |
United Wholesale Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 86% | $515K | 183,514 | 153,848 |
| Florida | 82% | $345K | 169,189 | 136,428 |
| Texas | 88% | $315K | 107,938 | 92,630 |
| Arizona | 89% | $395K | 57,450 | 50,066 |
| Michigan | 87% | $235K | 55,578 | 47,710 |
| Colorado | 90% | $465K | 46,059 | 40,991 |
| Georgia | 85% | $365K | 38,576 | 32,004 |
| New York | 87% | $535K | 34,770 | 29,566 |
| Illinois | 86% | $285K | 30,903 | 26,019 |
| North Carolina | 88% | $375K | 30,085 | 25,731 |
| Pennsylvania | 86% | $265K | 25,957 | 21,924 |
| Washington | 89% | $495K | 24,833 | 21,720 |
| Ohio | 86% | $245K | 24,111 | 20,312 |
| Utah | 91% | $445K | 23,279 | 20,845 |
| New Jersey | 83% | $455K | 22,023 | 17,866 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where United Wholesale Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 92% | 23,054 | 21,072 |
| Los Angeles County, CA | Mortgage lenders | 88% | 14,846 | 12,827 |
| Harris County, TX | Mortgage lenders | 89% | 13,859 | 12,188 |
| San Diego County, CA | Mortgage lenders | 90% | 12,082 | 10,776 |
| Riverside County, CA | Mortgage lenders | 90% | 11,873 | 10,532 |
| Broward County, FL | Mortgage lenders | 81% | 13,089 | 10,444 |
| Miami-Dade County, FL | Mortgage lenders | 80% | 12,633 | 9,934 |
| Wayne County, MI | Mortgage lenders | 89% | 9,471 | 8,297 |
| Cook County, IL | Mortgage lenders | 88% | 9,239 | 8,001 |
| Sacramento County, CA | Mortgage lenders | 92% | 8,441 | 7,650 |
| Oakland County, MI | Mortgage lenders | 93% | 7,967 | 7,363 |
| San Bernardino County, CA | Mortgage lenders | 89% | 8,176 | 7,158 |
The county markets where United Wholesale Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about United Wholesale Mortgage, LLC
What is United Wholesale Mortgage, LLC's mortgage approval rate?
United Wholesale Mortgage, LLC approved 86.4% of the 1,107,673 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.1 points above the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan United Wholesale Mortgage, LLC offers?
Borrowers accepted 98% of the loans United Wholesale Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Wholesale Mortgage, LLC make?
The typical home purchase mortgage loan United Wholesale Mortgage, LLC made was $365K; across all loan types its typical loan ran from $205K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Wholesale Mortgage, LLC lend?
United Wholesale Mortgage, LLC decided applications in 51 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to United Wholesale Mortgage, LLC directly?
No. United Wholesale Mortgage, LLC is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is uwm.com.
Does this page show United Wholesale Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how United Wholesale Mortgage, LLC treats applications, then get a rate quote from the lender.