Lender in Pennsylvania · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Pennsylvania
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 7,820 owner-occupied single-family loans in Pennsylvania from 9,374 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $6,860 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.624% (Pennsylvania: 6.625%).
Loans in PA
7,820
of 9,374 applications
Denial rate
8.0%
Purchase · PA 6.7%
Rate spread
+0.25 pts
Conv. · PA +0.17 pts
Loan amount
$265,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,595 | 4,193 | 8.0% | 6.624% | +0.25 pts | $6,860 | $265,000 |
| Refinance | 2,673 | 2,185 | 13.2% | 6.124% | −0.04 pts | $6,550 | $345,000 |
| Cash-out refinance | 2,106 | 1,442 | 29.7% | 6.875% | +0.45 pts | $8,100 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 65.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chester County | 1 | 512 | 7.7% |
| Centre County | 1 | 132 | 10.9% |
| Perry County | 1 | 55 | 11.4% |
| Armstrong County | 1 | 53 | 10.5% |
| Allegheny County | 2 | 925 | 7.1% |
| Erie County | 2 | 291 | 11.5% |
| Lehigh County | 2 | 282 | 6.9% |
| Cumberland County | 2 | 268 | 8.0% |
| Butler County | 2 | 245 | 9.2% |
| Westmoreland County | 2 | 210 | 5.3% |
| Dauphin County | 2 | 200 | 6.2% |
| Monroe County | 2 | 171 | 7.8% |
| Washington County | 2 | 163 | 6.4% |
| Beaver County | 2 | 157 | 7.7% |
| Montgomery County | 3 | 583 | 6.0% |
| Bucks County | 3 | 436 | 6.2% |
| Northampton County | 3 | 238 | 6.4% |
| Lawrence County | 3 | 60 | 6.8% |
| Philadelphia County | 4 | 612 | 4.9% |
| Delaware County | 4 | 321 | 5.3% |
| Berks County | 4 | 226 | 5.0% |
| Franklin County | 4 | 104 | 5.1% |
| Lebanon County | 4 | 83 | 5.1% |
| Schuylkill County | 4 | 70 | 4.7% |
| Pike County | 4 | 56 | 5.2% |
| Carbon County | 4 | 52 | 5.6% |
| Crawford County | 4 | 33 | 5.2% |
| Venango County | 4 | 28 | 7.3% |
| Greene County | 4 | 13 | 5.2% |
| Fulton County | 4 | 7 | 5.8% |
- United Wholesale Mortgage (UWM) nationwide
- Pennsylvania mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology