Lender in North Carolina · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in North Carolina
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 11,541 owner-occupied single-family loans in North Carolina from 13,630 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $6,210 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
11,541
of 13,630 applications
Denial rate
7.5%
Purchase · NC 7.6%
Rate spread
+0.19 pts
Conv. · NC +0.04 pts
Loan amount
$345,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,453 | 4,061 | 7.5% | 6.625% | +0.19 pts | $6,210 | $345,000 |
| Refinance | 6,154 | 5,259 | 9.2% | 6.450% | +0.07 pts | $7,130 | $385,000 |
| Cash-out refinance | 3,023 | 2,221 | 23.9% | 6.625% | +0.37 pts | $6,990 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 98.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wake County | 1 | 1,967 | 9.9% |
| Cabarrus County | 1 | 786 | 17.5% |
| Union County | 1 | 504 | 10.1% |
| Harnett County | 1 | 284 | 7.1% |
| Wayne County | 1 | 120 | 7.2% |
| Sampson County | 1 | 48 | 9.5% |
| Scotland County | 1 | 29 | 10.7% |
| Mecklenburg County | 2 | 1,395 | 7.9% |
| Cumberland County | 2 | 642 | 10.8% |
| Gaston County | 2 | 335 | 7.5% |
| Johnston County | 2 | 328 | 6.4% |
| Hoke County | 2 | 168 | 9.7% |
| Lincoln County | 2 | 105 | 6.3% |
| Chatham County | 2 | 102 | 7.9% |
| Franklin County | 2 | 98 | 6.3% |
| Lee County | 2 | 86 | 7.5% |
| Wilson County | 2 | 61 | 6.4% |
| Currituck County | 2 | 49 | 6.6% |
| Madison County | 2 | 14 | 7.2% |
| Gates County | 2 | 11 | 10.6% |
| Guilford County | 3 | 342 | 5.2% |
| Durham County | 3 | 261 | 5.6% |
| Iredell County | 3 | 259 | 6.7% |
| Moore County | 3 | 144 | 6.2% |
| Rowan County | 3 | 138 | 5.8% |
| Cleveland County | 3 | 76 | 6.2% |
| Granville County | 3 | 54 | 6.5% |
| Robeson County | 3 | 40 | 6.3% |
| Edgecombe County | 3 | 29 | 8.6% |
| Duplin County | 3 | 25 | 7.2% |
- United Wholesale Mortgage (UWM) nationwide
- North Carolina mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology