Lender in Virginia · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Virginia
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 8,952 owner-occupied single-family loans in Virginia from 10,449 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $7,330 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.624% (Virginia: 6.625%).
Loans in VA
8,952
of 10,449 applications
Denial rate
7.2%
Purchase · VA 6.9%
Rate spread
+0.15 pts
Conv. · VA +0.10 pts
Loan amount
$375,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,097 | 3,770 | 7.2% | 6.624% | +0.15 pts | $7,330 | $375,000 |
| Refinance | 4,204 | 3,558 | 8.9% | 6.124% | −0.08 pts | $5,940 | $415,000 |
| Cash-out refinance | 2,148 | 1,624 | 22.7% | 6.625% | +0.34 pts | $8,150 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 127.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fairfax County | 1 | 861 | 6.5% |
| Virginia Beach city | 1 | 663 | 9.4% |
| Loudoun County | 1 | 533 | 7.4% |
| Chesapeake city | 1 | 451 | 9.0% |
| Norfolk city | 1 | 411 | 11.3% |
| Stafford County | 1 | 319 | 10.4% |
| Spotsylvania County | 1 | 268 | 9.0% |
| Newport News city | 1 | 232 | 9.3% |
| Richmond city | 1 | 173 | 6.9% |
| Alexandria city | 1 | 103 | 5.2% |
| King George County | 1 | 49 | 9.1% |
| Dinwiddie County | 1 | 42 | 9.0% |
| Northampton County | 1 | 15 | 10.3% |
| Prince William County | 2 | 560 | 8.3% |
| Chesterfield County | 2 | 502 | 7.2% |
| Henrico County | 2 | 365 | 7.2% |
| Hampton city | 2 | 252 | 10.2% |
| Suffolk city | 2 | 217 | 8.7% |
| Portsmouth city | 2 | 197 | 9.6% |
| Arlington County | 2 | 94 | 4.3% |
| Bedford County | 2 | 90 | 7.5% |
| York County | 2 | 75 | 6.7% |
| Warren County | 2 | 57 | 7.7% |
| Orange County | 2 | 56 | 6.0% |
| Louisa County | 2 | 52 | 5.8% |
| Campbell County | 2 | 40 | 5.3% |
| Manassas city | 2 | 40 | 8.3% |
| Smyth County | 2 | 35 | 13.8% |
| Hopewell city | 2 | 33 | 8.2% |
| Westmoreland County | 2 | 32 | 7.1% |
- United Wholesale Mortgage (UWM) nationwide
- Virginia mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology