United Wholesale Mortgage (UWM): 2025 mortgage rates, costs & approvals
How United Wholesale Mortgage (UWM) priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: UNITED SHORE FINANCIAL SERVICES, LLC · LEI 549300HW662MN1WU8550 · Current legal name United Wholesale Mortgage, LLC; HMDA lists the prior legal name of the same LEI (source 1, source 2, source 3)
In 2025, United Wholesale Mortgage (UWM) originated 361,155 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 1st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.624% (all lenders: 6.625%); its median rate spread was 6 basis points above the national median. Median conventional loan costs were $7,230, 30% higher than the national median ($5,570).
It denied 8.9% of completed home-purchase applications (all lenders: 8.5%).
How United Wholesale Mortgage (UWM) priced home-purchase loans
| Purchase loans, 2025 | United Wholesale Mortgage (UWM) | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.624% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.874% | 5.875% |
| Rate spread vs. APOR · conventional | +0.20 pts | +0.13 pts |
| Total loan costs · conventional | $7,230 | $5,570 |
| Total loan costs · FHA | $13,370 | $11,310 |
| Total loan costs · VA | $5,930 | $6,490 |
| Origination charges (all types) | $3,170 | $1,860 |
| Borrowers paying discount points | 57.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 45.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why United Wholesale Mortgage (UWM) denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where United Wholesale Mortgage (UWM) lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 47,003 | 55,183 | 9.3% | 6.625% | $8,960 |
| Florida | 41,793 | 51,000 | 12.6% | 6.624% | $8,630 |
| Texas | 38,010 | 43,932 | 8.9% | 6.624% | $7,750 |
| Michigan | 18,512 | 21,454 | 8.5% | 6.625% | $4,870 |
| Colorado | 16,239 | 18,091 | 6.0% | 6.500% | $6,400 |
| Arizona | 15,979 | 18,257 | 6.9% | 6.624% | $7,760 |
| Georgia | 14,689 | 17,518 | 10.0% | 6.624% | $7,290 |
| North Carolina | 11,541 | 13,630 | 7.5% | 6.625% | $6,210 |
| Illinois | 9,907 | 11,717 | 9.8% | 6.782% | $6,640 |
| New York | 9,549 | 10,924 | 9.6% | 6.499% | $9,990 |
| Virginia | 8,952 | 10,449 | 7.2% | 6.624% | $7,330 |
| Washington | 8,843 | 10,066 | 5.6% | 6.624% | $7,610 |
| Ohio | 8,756 | 10,466 | 7.8% | 6.625% | $5,610 |
| Utah | 8,050 | 8,935 | 6.1% | 6.500% | $6,690 |
| Pennsylvania | 7,820 | 9,374 | 8.0% | 6.624% | $6,860 |
| Tennessee | 7,788 | 9,126 | 7.1% | 6.599% | $6,860 |
| Minnesota | 6,172 | 7,076 | 6.3% | 6.599% | $6,280 |
| New Jersey | 6,119 | 7,501 | 13.4% | 6.625% | $10,340 |
| Indiana | 5,459 | 6,444 | 7.6% | 6.624% | $4,410 |
| Maryland | 5,448 | 6,772 | 11.2% | 6.624% | $7,680 |
| South Carolina | 5,401 | 6,510 | 10.2% | 6.625% | $7,060 |
| Alabama | 4,651 | 5,503 | 7.3% | 6.500% | $5,270 |
| Kentucky | 4,534 | 5,180 | 6.8% | 6.625% | $4,400 |
| Nevada | 4,440 | 5,097 | 9.7% | 6.625% | $8,110 |
| Missouri | 4,368 | 4,817 | 6.2% | 6.625% | $4,160 |
| Oregon | 4,048 | 4,629 | 5.9% | 6.625% | $7,010 |
| Louisiana | 3,904 | 4,635 | 8.4% | 6.625% | $6,130 |
| Massachusetts | 3,901 | 4,581 | 10.0% | 6.625% | $6,310 |
| Wisconsin | 2,869 | 3,361 | 6.2% | 6.625% | $3,720 |
| Connecticut | 2,736 | 3,255 | 8.9% | 6.625% | $7,900 |
| Idaho | 2,627 | 2,943 | 5.3% | 6.499% | $7,190 |
| Oklahoma | 2,121 | 2,627 | 7.4% | 6.625% | $5,800 |
| New Mexico | 1,887 | 2,252 | 8.5% | 6.625% | $5,930 |
| Maine | 1,734 | 1,946 | 5.3% | 6.847% | $5,020 |
| New Hampshire | 1,722 | 1,942 | 6.4% | 6.625% | $5,490 |
| Kansas | 1,645 | 1,942 | 7.3% | 6.625% | $4,870 |
| Arkansas | 1,440 | 1,769 | 11.5% | 6.771% | $4,600 |
| Iowa | 1,314 | 1,580 | 5.5% | 6.532% | $4,280 |
| Montana | 1,198 | 1,341 | 5.3% | 6.624% | $6,730 |
| Mississippi | 1,168 | 1,442 | 8.9% | 6.871% | $5,080 |
| Hawaii | 1,154 | 1,308 | 9.3% | 6.624% | $10,140 |
| Nebraska | 1,130 | 1,276 | 4.0% | 6.625% | $3,970 |
| Wyoming | 886 | 992 | 4.0% | 6.499% | $5,670 |
| Delaware | 857 | 1,044 | 10.2% | 6.604% | $7,870 |
| North Dakota | 689 | 753 | 4.1% | 6.500% | $5,610 |
| West Virginia | 605 | 735 | 8.9% | 6.625% | $5,630 |
| Rhode Island | 465 | 591 | 13.5% | 6.625% | $6,060 |
| South Dakota | 379 | 434 | 4.6% | 6.625% | $5,850 |
| Alaska | 356 | 416 | 9.6% | 6.500% | $5,660 |
| District of Columbia | 157 | 193 | 9.8% | 6.599% | $9,500 |
| Vermont | 140 | 157 | 7.8% | 6.621% | $5,010 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open United Wholesale Mortgage (UWM)'s page for that state.
Counties where United Wholesale Mortgage (UWM) is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ziebach County, SD | 1 | 1 | 100.0% |
| Sublette County, WY | 1 | 85 | 50.0% |
| Daniels County, MT | 1 | 4 | 50.0% |
| Sweetwater County, WY | 1 | 235 | 43.5% |
| Clark County, ID | 1 | 2 | 40.0% |
| Edwards County, TX | 2 | 2 | 40.0% |
| Sevier County, UT | 1 | 109 | 34.7% |
| La Plata County, CO | 1 | 235 | 32.7% |
| Becker County, MN | 1 | 115 | 28.0% |
| Juab County, UT | 1 | 53 | 26.9% |
| Stevens County, KS | 1 | 8 | 26.7% |
| Dolores County, CO | 1 | 5 | 26.3% |
| Pierce County, GA | 1 | 61 | 25.9% |
| Blue Earth County, MN | 1 | 178 | 25.2% |
| Lafourche Parish, LA | 1 | 215 | 25.2% |
Check United Wholesale Mortgage (UWM) yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300HW662MN1WU8550.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Wholesale Mortgage (UWM) with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology