Lender in Michigan · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Michigan
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 18,512 owner-occupied single-family loans in Michigan from 21,454 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $4,870 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
18,512
of 21,454 applications
Denial rate
8.5%
Purchase · MI 7.8%
Rate spread
+0.36 pts
Conv. · MI +0.23 pts
Loan amount
$245,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 12,373 | 11,218 | 8.5% | 6.625% | +0.36 pts | $4,870 | $245,000 |
| Refinance | 5,686 | 4,767 | 12.7% | 6.125% | +0.01 pts | $4,790 | $285,000 |
| Cash-out refinance | 3,395 | 2,527 | 23.6% | 6.999% | +0.51 pts | $5,470 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 82.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wayne County | 1 | 4,127 | 21.9% |
| Oakland County | 1 | 4,113 | 21.7% |
| Macomb County | 1 | 3,054 | 23.8% |
| Genesee County | 1 | 649 | 11.9% |
| Washtenaw County | 1 | 498 | 12.0% |
| Livingston County | 1 | 456 | 15.0% |
| Grand Traverse County | 1 | 261 | 21.7% |
| Lapeer County | 1 | 192 | 15.0% |
| Midland County | 1 | 140 | 12.5% |
| Montcalm County | 1 | 88 | 9.2% |
| Wexford County | 1 | 62 | 13.8% |
| Antrim County | 1 | 47 | 17.2% |
| Alpena County | 1 | 46 | 21.0% |
| Benzie County | 1 | 42 | 19.0% |
| Kalkaska County | 1 | 42 | 18.2% |
| Leelanau County | 1 | 36 | 15.8% |
| Osceola County | 1 | 30 | 13.2% |
| Charlevoix County | 1 | 29 | 12.5% |
| Missaukee County | 1 | 23 | 13.7% |
| Kent County | 2 | 787 | 8.6% |
| Ottawa County | 2 | 313 | 7.8% |
| Jackson County | 2 | 204 | 9.4% |
| Saginaw County | 2 | 182 | 8.3% |
| Allegan County | 2 | 132 | 8.0% |
| Barry County | 2 | 75 | 8.4% |
| Ionia County | 2 | 65 | 7.4% |
| Sanilac County | 2 | 51 | 11.9% |
| Mecosta County | 2 | 34 | 7.2% |
| Gladwin County | 2 | 32 | 9.2% |
| Iosco County | 2 | 32 | 10.9% |
- United Wholesale Mortgage (UWM) nationwide
- Michigan mortgage market
- United Wholesale Mortgage (UWM) in California
- United Wholesale Mortgage (UWM) in Florida
- United Wholesale Mortgage (UWM) in Texas
- 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