Lender in California · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in California
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 47,003 owner-occupied single-family loans in California from 55,183 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $8,960 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
47,003
of 55,183 applications
Denial rate
9.3%
Purchase · CA 8.9%
Rate spread
+0.18 pts
Conv. · CA +0.09 pts
Loan amount
$525,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 30,635 | 27,397 | 9.3% | 6.625% | +0.18 pts | $8,960 | $525,000 |
| Refinance | 17,412 | 14,218 | 15.4% | 6.125% | −0.10 pts | $4,930 | $595,000 |
| Cash-out refinance | 7,136 | 5,388 | 22.3% | 6.625% | +0.26 pts | $6,560 | $415,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 58.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Los Angeles County | 1 | 6,454 | 12.0% |
| San Diego County | 1 | 5,883 | 21.0% |
| Riverside County | 1 | 4,768 | 17.4% |
| Sacramento County | 1 | 3,780 | 22.3% |
| San Bernardino County | 1 | 3,329 | 16.6% |
| Orange County | 1 | 2,980 | 13.9% |
| Fresno County | 1 | 1,558 | 19.1% |
| Contra Costa County | 1 | 1,545 | 13.0% |
| Kern County | 1 | 1,526 | 16.9% |
| San Joaquin County | 1 | 1,448 | 17.3% |
| Placer County | 1 | 1,305 | 20.5% |
| Alameda County | 1 | 1,201 | 8.6% |
| Solano County | 1 | 955 | 19.2% |
| Ventura County | 1 | 954 | 14.3% |
| Stanislaus County | 1 | 826 | 17.4% |
| El Dorado County | 1 | 584 | 22.3% |
| Sonoma County | 1 | 555 | 13.6% |
| Santa Barbara County | 1 | 419 | 15.4% |
| Merced County | 1 | 408 | 18.4% |
| Monterey County | 1 | 390 | 17.3% |
| San Luis Obispo County | 1 | 390 | 16.5% |
| Yolo County | 1 | 354 | 21.5% |
| Butte County | 1 | 345 | 17.9% |
| Madera County | 1 | 337 | 15.0% |
| Nevada County | 1 | 263 | 20.4% |
| Yuba County | 1 | 248 | 18.1% |
| Sutter County | 1 | 197 | 24.9% |
| Imperial County | 1 | 191 | 16.8% |
| Kings County | 1 | 186 | 11.6% |
| Shasta County | 1 | 174 | 8.8% |
- United Wholesale Mortgage (UWM) nationwide
- California mortgage market
- United Wholesale Mortgage (UWM) in Florida
- United Wholesale Mortgage (UWM) in Texas
- United Wholesale Mortgage (UWM) in Michigan
- United Wholesale Mortgage (UWM) in Colorado
- United Wholesale Mortgage (UWM) in Arizona
- United Wholesale Mortgage (UWM) in Georgia
- United Wholesale Mortgage (UWM) in North Carolina
- United Wholesale Mortgage (UWM) in Illinois
- United Wholesale Mortgage (UWM) in New York
- United Wholesale Mortgage (UWM) in Virginia
- United Wholesale Mortgage (UWM) in Washington
- United Wholesale Mortgage (UWM) in Ohio
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology