United Wholesale Mortgage Rates, Fees & Info

3.1 stars - Updated: 7/13/25 - out of 5 stars, based on 605 reviews

Review & Overview

United Wholesale Mortgage is a large mortgage company specializing in Home Purchase loans. United Wholesale Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, New York, Phoenix, Miami, and Dallas among others. We have data for 915 markets. (Some data included below & more in-depth data is available with an active subscription.)

United Wholesale Mortgage has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United Wholesale Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	9.51%	7/13/25
30 Year Conventional Purchase	6.86%	7/13/25
30 Year Conventional Refi	6.63%	7/13/25
30 Year Cash-out Refi	7.13%	7/13/25
30 Year FHA Purchase	7.10%	7/13/25
30 Year FHA Refi	6.76%	7/13/25
30 Year VA Purchase	6.32%	7/13/25
30 Year VA Refi	5.85%	7/13/25
30 Year USDA Purchase	6.81%	7/13/25
30 Year USDA Refi	6.13%	7/13/25
15 Year Conventional Purchase	6.08%	7/13/25
15 Year Conventional Refi	5.64%	7/13/25
15 Year Cash-out Refi	5.64%	7/13/25
15 Year FHA Purchase	6.72%	7/13/25
15 Year FHA Refi	6.43%	7/13/25
15 Year VA Purchase	5.96%	7/13/25
15 Year VA Refi	5.61%	7/13/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

United Wholesale Mortgage Mortgage Calculator

Originations

366,078

Origination Dollar Volume (All Markets)

$139,718,530,000

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