Lender in North Dakota · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in North Dakota
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 689 owner-occupied single-family loans in North Dakota from 753 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $5,610 versus $4,880 for all North Dakota lenders, at a median 30-year fixed rate of 6.50% (North Dakota: 6.375%).
Loans in ND
689
of 753 applications
Denial rate
4.1%
Purchase · ND 4.5%
Rate spread
+0.18 pts
Conv. · ND +0.01 pts
Loan amount
$285,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 460 | 440 | 4.1% | 6.500% | +0.18 pts | $5,610 | $285,000 |
| Refinance | 190 | 162 | 12.1% | 6.125% | +0.00 pts | $4,320 | $305,000 |
| Cash-out refinance | 103 | 87 | 15.5% | 6.860% | +0.42 pts | $5,940 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 36.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Grand Forks County | 1 | 153 | 20.5% |
| Richland County | 1 | 31 | 17.8% |
| Ransom County | 1 | 11 | 22.4% |
| Sargent County | 1 | 5 | 25.0% |
| Golden Valley County | 1 | 3 | 17.6% |
| Burleigh County | 2 | 102 | 8.1% |
| LaMoure County | 2 | 5 | 15.2% |
| Logan County | 2 | 2 | 12.5% |
| Cass County | 3 | 204 | 8.6% |
| Morton County | 3 | 34 | 8.7% |
| Oliver County | 3 | 2 | 10.0% |
| Towner County | 3 | 2 | 10.0% |
| Ramsey County | 4 | 9 | 9.1% |
| Walsh County | 4 | 6 | 7.6% |
| Pembina County | 4 | 4 | 6.7% |
| Bowman County | 4 | 2 | 9.5% |
| Pierce County | 4 | 2 | 9.5% |
| Dickey County | 5 | 2 | 4.7% |
| Williams County | 6 | 26 | 5.5% |
| Traill County | 6 | 6 | 5.9% |
| Barnes County | 6 | 4 | 4.3% |
| Bottineau County | 6 | 4 | 7.8% |
| McIntosh County | 6 | 1 | 5.0% |
| Steele County | 6 | 1 | 6.7% |
| McKenzie County | 7 | 6 | 4.1% |
| Cavalier County | 7 | 2 | 5.4% |
| Mercer County | 8 | 4 | 4.7% |
| Ward County | 9 | 37 | 3.8% |
| Stutsman County | 9 | 4 | 2.1% |
| Kidder County | 9 | 1 | 4.2% |
- United Wholesale Mortgage (UWM) nationwide
- North Dakota mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology