Lender in Alabama · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Alabama
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 4,651 owner-occupied single-family loans in Alabama from 5,503 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $5,270 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
4,651
of 5,503 applications
Denial rate
7.3%
Purchase · AL 9.1%
Rate spread
+0.15 pts
Conv. · AL +0.17 pts
Loan amount
$255,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,543 | 2,340 | 7.3% | 6.500% | +0.15 pts | $5,270 | $255,000 |
| Refinance | 1,697 | 1,392 | 12.0% | 6.125% | −0.04 pts | $6,510 | $305,000 |
| Cash-out refinance | 1,263 | 919 | 25.6% | 6.999% | +0.53 pts | $6,930 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 65.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 1 | 701 | 9.1% |
| Jefferson County | 1 | 618 | 7.9% |
| Shelby County | 1 | 297 | 7.1% |
| Limestone County | 1 | 250 | 8.8% |
| St. Clair County | 1 | 130 | 8.0% |
| Tallapoosa County | 1 | 91 | 20.0% |
| Blount County | 1 | 76 | 11.0% |
| Walker County | 1 | 70 | 13.2% |
| DeKalb County | 1 | 69 | 9.9% |
| Cherokee County | 1 | 46 | 16.3% |
| Cleburne County | 1 | 23 | 17.2% |
| Randolph County | 1 | 21 | 8.7% |
| Elmore County | 2 | 123 | 8.3% |
| Morgan County | 2 | 114 | 6.6% |
| Marshall County | 2 | 107 | 8.5% |
| Coffee County | 2 | 94 | 9.5% |
| Chilton County | 2 | 34 | 7.1% |
| Winston County | 2 | 18 | 9.9% |
| Coosa County | 2 | 6 | 9.2% |
| Baldwin County | 3 | 282 | 5.6% |
| Lee County | 3 | 169 | 5.9% |
| Montgomery County | 3 | 144 | 5.6% |
| Calhoun County | 3 | 95 | 7.0% |
| Russell County | 3 | 83 | 8.4% |
| Cullman County | 3 | 70 | 6.1% |
| Autauga County | 3 | 69 | 7.0% |
| Talladega County | 3 | 54 | 6.3% |
| Chambers County | 3 | 23 | 6.9% |
| Escambia County | 3 | 16 | 5.7% |
| Barbour County | 3 | 12 | 7.4% |
- United Wholesale Mortgage (UWM) nationwide
- Alabama mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology