Lender in New Jersey · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in New Jersey
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 6,119 owner-occupied single-family loans in New Jersey from 7,501 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $10,340 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.625% (New Jersey: 6.625%).
Loans in NJ
6,119
of 7,501 applications
Denial rate
13.4%
Purchase · NJ 8.4%
Rate spread
+0.23 pts
Conv. · NJ +0.12 pts
Loan amount
$475,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,528 | 3,009 | 13.4% | 6.625% | +0.23 pts | $10,340 | $475,000 |
| Refinance | 2,337 | 1,939 | 13.6% | 6.124% | −0.06 pts | $6,570 | $485,000 |
| Cash-out refinance | 1,636 | 1,171 | 26.8% | 6.875% | +0.39 pts | $9,580 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where United Wholesale Mortgage (UWM) ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Middlesex County | 1 | 956 | 12.0% |
| Essex County | 1 | 451 | 7.3% |
| Union County | 1 | 353 | 7.6% |
| Passaic County | 1 | 302 | 8.1% |
| Bergen County | 2 | 531 | 6.4% |
| Ocean County | 2 | 513 | 6.2% |
| Burlington County | 2 | 372 | 5.8% |
| Somerset County | 2 | 267 | 6.8% |
| Mercer County | 2 | 264 | 6.9% |
| Hunterdon County | 2 | 113 | 7.1% |
| Morris County | 3 | 412 | 6.9% |
| Hudson County | 3 | 263 | 6.5% |
| Monmouth County | 4 | 446 | 5.7% |
| Warren County | 4 | 89 | 5.8% |
| Cape May County | 4 | 33 | 3.5% |
| Sussex County | 5 | 129 | 5.4% |
| Cumberland County | 5 | 58 | 3.9% |
| Camden County | 6 | 241 | 3.9% |
| Atlantic County | 6 | 121 | 4.1% |
| Salem County | 6 | 44 | 4.9% |
| Gloucester County | 7 | 161 | 3.6% |
- United Wholesale Mortgage (UWM) nationwide
- New Jersey mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology