Lender in Minnesota · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Minnesota
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 6,172 owner-occupied single-family loans in Minnesota from 7,076 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $6,280 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.599% (Minnesota: 6.625%).
Loans in MN
6,172
of 7,076 applications
Denial rate
6.3%
Purchase · MN 5.2%
Rate spread
+0.18 pts
Conv. · MN +0.15 pts
Loan amount
$305,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,218 | 3,926 | 6.3% | 6.599% | +0.18 pts | $6,280 | $305,000 |
| Refinance | 1,848 | 1,543 | 12.8% | 6.125% | −0.04 pts | $5,990 | $335,000 |
| Cash-out refinance | 1,010 | 703 | 29.2% | 6.930% | +0.50 pts | $7,230 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 85.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Anoka County | 1 | 476 | 8.8% |
| Dakota County | 1 | 456 | 7.1% |
| Olmsted County | 1 | 313 | 14.1% |
| Wright County | 1 | 225 | 7.4% |
| Blue Earth County | 1 | 178 | 25.2% |
| Scott County | 1 | 169 | 7.0% |
| Sherburne County | 1 | 146 | 8.3% |
| Becker County | 1 | 115 | 28.0% |
| Nicollet County | 1 | 104 | 22.8% |
| Otter Tail County | 1 | 97 | 15.6% |
| Chisago County | 1 | 76 | 8.2% |
| Rice County | 1 | 72 | 9.0% |
| Isanti County | 1 | 67 | 9.3% |
| Goodhue County | 1 | 59 | 9.0% |
| Le Sueur County | 1 | 59 | 14.5% |
| Meeker County | 1 | 46 | 15.8% |
| Kandiyohi County | 1 | 40 | 8.8% |
| Polk County | 1 | 39 | 11.6% |
| Waseca County | 1 | 39 | 18.1% |
| Dodge County | 1 | 37 | 11.8% |
| Lyon County | 1 | 34 | 13.2% |
| Wabasha County | 1 | 30 | 10.8% |
| Fillmore County | 1 | 27 | 10.5% |
| Faribault County | 1 | 24 | 18.9% |
| Sibley County | 1 | 22 | 10.1% |
| Kanabec County | 1 | 18 | 8.5% |
| Watonwan County | 1 | 13 | 14.1% |
| Grant County | 1 | 11 | 15.7% |
| Norman County | 1 | 6 | 8.6% |
| Hennepin County | 2 | 1,300 | 8.0% |
- United Wholesale Mortgage (UWM) nationwide
- Minnesota mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology