United Wholesale Mortgage Rates, Fees & Info

PLYMOUTH, MI

LEI: 549300HW662MN1WU8550

Tax ID: 38-2750395

2020 Data | 2019 Data | 2018 Data


Overview

United Wholesale Mortgage is a large mortgage company specializing in Refi and Home Purchase loans. United Wholesale Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Los Angeles, San Diego, Anaheim, Riverside, and Phoenix among others. They have an above average approval rate for mortages when compared nationally -- and they have an average pick rate when compared to the same sample of other lendors. United Wholesale Mortgage is typically an average fee lendor.


Originations

560,798

Origination Dollar Volume (All Markets)

$182,820,410,000

Relative Rate

United Wholesale Mortgage 's average 30 year fixed rate mortgage was 3.07%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.29%.

Relative Fees

United Wholesale Mortgage 's average total fees for a 30 year fixed rate mortgage are $5,479.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 477,514 $155,283,110,000 $325,191 $5,045 3.05%
VA 57,473 $20,373,755,000 $354,493 $5,178 2.65%
FHA 24,042 $6,803,420,000 $282,981 $9,675 3.25%
USDA 1,769 $360,125,000 $203,575 $6,579 3.25%

For the 2020 period, United Wholesale Mortgage 's most frequently originated loan type was Conventional, with 477,514 originations. Their 2nd most popular type is VA, with 57,473 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 345,865 $114,084,775,000 $329,853 $4,569 2.90%
Home Purchase 133,079 $42,985,465,000 $323,007 $6,751 3.18%
Cash Out Refi 81,854 $25,750,170,000 $314,587 $5,882 3.24%

For the 2020, United Wholesale Mortgage 's most frequently cited loan purpose was Refi, with 345,865 originations. The 2nd most popular reason was Home Purchase, with 133,079 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 457,680 $154,406,160,000 $337,367 $5,479 3.07%
15 Year 54,236 $14,149,060,000 $260,879 $4,295 2.64%
20 Year 25,058 $7,264,920,000 $289,924 $4,440 2.99%
Other 19,112 $5,953,570,000 $311,510 $4,491 2.95%
10 Year 4,712 $1,046,700,000 $222,135 $3,646 2.55%

For the 2020, United Wholesale Mortgage 's most frequently cited loan length was 30 Year, with 457,680 originations. The 2nd most popular length was 15 Year, with 54,236 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 191,289 $61,309,025,000 $320,505
$3k-4k 102,373 $30,871,735,000 $301,561
$5k+ 101,741 $41,430,165,000 $407,212
$<1k 83,455 $26,591,775,000 $318,636
$2k-3k 64,852 $18,246,550,000 $281,357

$5,479 was United Wholesale Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 191,289 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LOS ANGELES-LONG BEACH-GLENDALE, CA 37,896 $16,196,320,000 $427,389 $6,142 3.04%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 25,361 $10,943,295,000 $431,501 $5,582 2.97%
ANAHEIM-SANTA ANA-IRVINE, CA 22,244 $10,121,140,000 $455,005 $5,216 3.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 27,127 $8,918,525,000 $328,769 $5,688 3.02%
PHOENIX-MESA-CHANDLER, AZ 29,064 $8,063,800,000 $277,450 $4,343 3.02%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 20,280 $6,892,410,000 $339,862 $5,026 3.01%
DENVER-AURORA-LAKEWOOD, CO 19,244 $6,673,380,000 $346,777 $5,009 3.03%
OAKLAND-BERKELEY-LIVERMORE, CA 14,533 $6,663,245,000 $458,491 $5,015 2.99%
Outside of Metro Areas 21,835 $5,785,905,000 $264,983 $4,856 3.02%
WARREN-TROY-FARMINGTON HILLS, MI 15,417 $3,681,965,000 $238,825 $4,022 3.04%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 7,552 $3,624,150,000 $479,893 $4,318 2.96%
SEATTLE-BELLEVUE-KENT, WA 8,770 $3,603,650,000 $410,906 $4,980 2.97%
SALT LAKE CITY, UT 11,580 $3,546,510,000 $306,262 $4,809 3.04%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 8,985 $3,481,515,000 $387,481 $5,695 2.92%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 10,755 $2,997,205,000 $278,680 $4,959 3.03%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 5,930 $2,512,610,000 $423,712 $9,677 3.08%
OXNARD-THOUSAND OAKS-VENTURA, CA 5,328 $2,275,180,000 $427,023 $5,413 3.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 6,505 $2,160,265,000 $332,093 $5,458 3.01%
CHICAGO-NAPERVILLE-EVANSTON, IL 8,479 $2,135,985,000 $251,915 $4,273 3.10%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 7,825 $1,985,985,000 $253,800 $5,174 3.01%
PROVO-OREM, UT 6,552 $1,970,400,000 $300,733 $4,876 3.02%
DALLAS-PLANO-IRVING, TX 6,375 $1,914,875,000 $300,373 $5,206 2.97%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 7,052 $1,909,590,000 $270,787 $5,330 2.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 7,392 $1,883,400,000 $254,789 $5,877 3.06%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 3,736 $1,851,830,000 $495,672 $4,950 2.96%
OGDEN-CLEARFIELD, UT 5,236 $1,497,440,000 $285,989 $4,755 3.02%
LAS VEGAS-HENDERSON-PARADISE, NV 5,316 $1,490,000,000 $280,286 $5,139 3.03%
MIAMI-MIAMI BEACH-KENDALL, FL 4,532 $1,323,220,000 $291,973 $7,956 3.14%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 4,496 $1,309,950,000 $291,359 $7,781 3.10%
COLORADO SPRINGS, CO 4,140 $1,299,300,000 $313,841 $4,948 2.91%
ORLANDO-KISSIMMEE-SANFORD, FL 4,931 $1,292,685,000 $262,155 $6,269 3.10%
NEW BRUNSWICK-LAKEWOOD, NJ 3,625 $1,246,145,000 $343,764 $6,179 3.01%
BALTIMORE-COLUMBIA-TOWSON, MD 3,844 $1,224,570,000 $318,567 $5,639 2.96%
NASSAU COUNTY-SUFFOLK COUNTY, NY 2,968 $1,207,230,000 $406,749 $10,233 2.99%
STOCKTON, CA 3,645 $1,196,875,000 $328,361 $5,246 3.03%
FRESNO, CA 3,968 $1,078,410,000 $271,777 $5,296 3.01%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 2,772 $1,062,620,000 $383,341 $5,331 3.09%
VALLEJO, CA 2,754 $1,001,850,000 $363,780 $5,657 2.98%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 3,127 $947,965,000 $303,155 $5,362 2.97%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 2,406 $923,140,000 $383,682 $5,771 2.97%
ST. LOUIS, MO-IL 3,907 $922,465,000 $236,106 $3,050 3.14%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 3,200 $915,170,000 $285,991 $6,501 3.10%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 2,918 $880,010,000 $301,580 $6,535 2.95%
BOSTON, MA 2,386 $868,990,000 $364,204 $5,368 3.09%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 3,143 $859,665,000 $273,517 $4,194 2.97%
SANTA ROSA-PETALUMA, CA 2,059 $840,005,000 $407,967 $5,147 3.02%
DETROIT-DEARBORN-LIVONIA, MI 3,881 $815,065,000 $210,014 $4,089 3.07%
RALEIGH-CARY, NC 2,670 $791,070,000 $296,281 $3,530 2.93%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 3,397 $781,235,000 $229,978 $4,307 3.09%
NEWARK, NJ-PA 2,090 $759,360,000 $363,330 $6,506 3.02%
URBAN HONOLULU, HI 1,535 $758,725,000 $494,283 $7,684 2.87%
JACKSONVILLE, FL 2,794 $752,910,000 $269,474 $5,832 3.01%
TACOMA-LAKEWOOD, WA 2,112 $710,780,000 $336,544 $5,188 2.89%
BAKERSFIELD, CA 2,581 $678,775,000 $262,989 $5,600 2.99%
SAN LUIS OBISPO-PASO ROBLES, CA 1,669 $675,625,000 $404,808 $5,490 3.00%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 2,329 $601,455,000 $258,246 $5,282 3.03%
SALINAS, CA 1,519 $598,075,000 $393,729 $5,672 2.98%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 1,919 $543,125,000 $283,025 $5,004 2.98%
FORT COLLINS, CO 1,659 $530,955,000 $320,045 $4,619 3.05%
GREELEY, CO 1,669 $527,235,000 $315,899 $5,266 3.04%
SAN RAFAEL, CA 1,026 $519,070,000 $505,916 $5,378 2.98%
SANTA MARIA-SANTA BARBARA, CA 1,362 $515,650,000 $378,598 $5,488 2.99%
PROVIDENCE-WARWICK, RI-MA 1,853 $511,925,000 $276,268 $5,455 3.08%
MODESTO, CA 1,817 $510,165,000 $280,773 $5,340 3.01%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1,741 $492,955,000 $283,145 $4,679 2.78%
KANSAS CITY, MO-KS 1,981 $491,535,000 $248,125 $4,059 3.06%
BOULDER, CO 1,298 $482,900,000 $372,034 $4,707 2.99%
RICHMOND, VA 1,716 $474,650,000 $276,603 $4,743 2.99%
INDIANAPOLIS-CARMEL-ANDERSON, IN 2,094 $460,520,000 $219,924 $3,816 3.02%
CAPE CORAL-FORT MYERS, FL 1,893 $447,945,000 $236,632 $6,166 3.08%
PORTLAND-SOUTH PORTLAND, ME 1,583 $433,145,000 $273,623 $5,732 3.03%
PHILADELPHIA, PA 1,602 $432,350,000 $269,881 $6,556 3.06%
NORTH PORT-SARASOTA-BRADENTON, FL 1,509 $400,565,000 $265,451 $6,138 3.05%
WORCESTER, MA-CT 1,413 $393,635,000 $278,581 $5,110 3.12%
SANTA CRUZ-WATSONVILLE, CA 823 $390,605,000 $474,611 $6,002 3.00%
CAMDEN, NJ 1,429 $365,645,000 $255,875 $4,804 2.99%
ST. GEORGE, UT 1,180 $341,700,000 $289,576 $4,774 3.03%
SAN ANTONIO-NEW BRAUNFELS, TX 1,225 $336,915,000 $275,033 $5,150 2.87%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 1,060 $336,010,000 $316,991 $4,750 3.08%
BOISE CITY, ID 1,209 $334,205,000 $276,431 $5,271 3.01%
TUCSON, AZ 1,328 $325,400,000 $245,030 $4,114 2.93%
CHARLESTON-NORTH CHARLESTON, SC 1,067 $321,675,000 $301,476 $4,516 2.95%
SPOKANE-SPOKANE VALLEY, WA 1,107 $311,065,000 $280,998 $4,987 3.00%
COLUMBUS, OH 1,264 $302,340,000 $239,193 $4,784 3.08%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 1,133 $299,095,000 $263,985 $3,805 3.07%
ALBUQUERQUE, NM 1,196 $285,310,000 $238,554 $4,492 3.01%
NAPA, CA 635 $285,175,000 $449,094 $5,361 2.99%
CINCINNATI, OH-KY-IN 1,196 $278,960,000 $233,244 $4,784 3.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1,180 $272,670,000 $231,076 $5,445 3.16%
MILWAUKEE-WAUKESHA, WI 1,107 $272,295,000 $245,976 $3,474 3.09%
GRAND RAPIDS-KENTWOOD, MI 1,201 $266,445,000 $221,853 $4,181 3.03%
OLYMPIA-LACEY-TUMWATER, WA 854 $262,010,000 $306,803 $4,690 2.89%
PALM BAY-MELBOURNE-TITUSVILLE, FL 1,004 $259,760,000 $258,725 $5,740 3.03%
PITTSBURGH, PA 1,099 $251,745,000 $229,067 $6,225 2.97%
DURHAM-CHAPEL HILL, NC 865 $248,675,000 $287,486 $3,935 3.00%
RENO, NV 772 $245,640,000 $318,187 $4,573 2.97%
YUBA CITY, CA 883 $241,415,000 $273,403 $5,050 2.99%
BIRMINGHAM-HOOVER, AL 992 $233,240,000 $235,121 $4,947 3.04%
NAPLES-MARCO ISLAND, FL 753 $229,875,000 $305,279 $7,425 3.06%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 877 $216,195,000 $246,517 $5,476 3.05%
PORT ST. LUCIE, FL 887 $215,495,000 $242,948 $6,317 3.10%
MANCHESTER-NASHUA, NH 762 $214,090,000 $280,958 $4,855 3.06%
LAKELAND-WINTER HAVEN, FL 1,014 $211,040,000 $208,126 $5,809 3.11%
BATON ROUGE, LA 842 $207,100,000 $245,962 $6,043 3.07%
NEW ORLEANS-METAIRIE, LA 857 $206,885,000 $241,406 $6,674 3.11%
ELGIN, IL 870 $206,590,000 $237,460 $4,463 3.08%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 602 $206,560,000 $343,123 $4,512 2.91%
BRIDGEPORT-STAMFORD-NORWALK, CT 612 $205,520,000 $335,817 $6,715 3.09%
ANN ARBOR, MI 794 $203,020,000 $255,693 $3,776 3.02%
PRESCOTT VALLEY-PRESCOTT, AZ 697 $191,665,000 $274,986 $4,439 3.00%
LOGAN, UT-ID 734 $180,420,000 $245,804 $4,270 3.02%
VISALIA, CA 719 $179,395,000 $249,506 $5,286 3.01%
GREENVILLE-ANDERSON, SC 731 $176,385,000 $241,293 $5,137 3.04%
NEW HAVEN-MILFORD, CT 692 $172,810,000 $249,725 $5,755 3.15%
WILMINGTON, DE-MD-NJ 659 $171,775,000 $260,660 $6,035 3.03%
FLAGSTAFF, AZ 544 $170,050,000 $312,592 $4,478 2.96%
CLEVELAND-ELYRIA, OH 807 $169,785,000 $210,390 $5,218 3.03%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 669 $165,335,000 $247,138 $6,453 3.01%
COEUR D'ALENE, ID 568 $163,380,000 $287,641 $6,016 2.91%
HUNTSVILLE, AL 672 $163,150,000 $242,783 $3,750 2.96%
SALEM, OR 582 $162,760,000 $279,656 $5,801 3.00%
BEND, OR 489 $162,755,000 $332,832 $5,214 3.06%
MERCED, CA 633 $161,755,000 $255,537 $5,318 3.01%
LAKE HAVASU CITY-KINGMAN, AZ 650 $159,010,000 $244,631 $4,571 3.00%
KNOXVILLE, TN 633 $158,315,000 $250,103 $5,324 3.00%
CHICO, CA 524 $150,160,000 $286,565 $4,554 2.96%
BARNSTABLE TOWN, MA 482 $146,580,000 $304,108 $5,032 3.01%
EUGENE-SPRINGFIELD, OR 525 $146,305,000 $278,676 $5,584 2.93%
PENSACOLA-FERRY PASS-BRENT, FL 539 $144,275,000 $267,672 $4,674 2.97%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 481 $143,785,000 $298,929 $7,625 3.11%
KENNEWICK-RICHLAND, WA 489 $137,025,000 $280,215 $4,697 2.97%
PUEBLO, CO 614 $135,910,000 $221,352 $4,457 3.06%
LAFAYETTE, LA 594 $135,170,000 $227,559 $5,770 3.00%
MEMPHIS, TN-MS-AR 535 $131,545,000 $245,879 $5,275 3.03%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 425 $127,345,000 $299,635 $5,779 2.91%
MADERA, CA 464 $121,580,000 $262,026 $5,238 3.04%
SALISBURY, MD-DE 408 $114,900,000 $281,618 $5,810 2.98%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 476 $111,010,000 $233,214 $4,609 3.10%
OKLAHOMA CITY, OK 479 $110,515,000 $230,720 $5,698 3.03%
BUFFALO-CHEEKTOWAGA, NY 540 $109,480,000 $202,741 $5,973 3.04%
MONTGOMERY, AL 513 $107,025,000 $208,626 $4,177 3.01%
LANSING-EAST LANSING, MI 538 $106,870,000 $198,643 $4,116 3.00%
EL CENTRO, CA 471 $106,495,000 $226,104 $5,350 2.97%
KAHULUI-WAILUKU-LAHAINA, HI 217 $105,525,000 $486,290 $7,692 3.00%
ALBANY-SCHENECTADY-TROY, NY 448 $104,850,000 $234,040 $6,911 3.08%
TRENTON-PRINCETON, NJ 362 $103,360,000 $285,525 $5,051 3.02%
MEDFORD, OR 366 $103,160,000 $281,858 $5,507 3.03%
COLUMBIA, SC 433 $102,375,000 $236,432 $4,805 3.05%
MADISON, WI 370 $102,020,000 $275,730 $3,507 2.95%
ROCHESTER, MN 442 $101,640,000 $229,955 $4,649 3.04%
BELLINGHAM, WA 311 $100,095,000 $321,849 $4,500 2.97%
REDDING, CA 368 $100,050,000 $271,875 $4,733 2.95%
SIOUX FALLS, SD 404 $99,680,000 $246,733 $4,266 2.88%
GREEN BAY, WI 463 $98,465,000 $212,667 $2,817 3.06%
FLINT, MI 509 $97,505,000 $191,562 $4,310 3.03%
MANKATO, MN 480 $97,390,000 $202,896 $3,804 3.08%
LYNCHBURG, VA 407 $96,665,000 $237,506 $4,963 2.93%
LEXINGTON-FAYETTE, KY 387 $85,555,000 $221,072 $4,297 3.13%
HANFORD-CORCORAN, CA 342 $85,470,000 $249,912 $5,170 2.93%
FARGO, ND-MN 377 $84,885,000 $225,159 $4,858 2.96%
DAPHNE-FAIRHOPE-FOLEY, AL 340 $83,900,000 $246,765 $4,666 3.27%
WENATCHEE, WA 257 $82,315,000 $320,292 $5,377 3.05%
HARRISBURG-CARLISLE, PA 332 $78,630,000 $236,837 $5,746 2.93%
WILMINGTON, NC 282 $77,290,000 $274,078 $4,342 3.05%
HOUMA-THIBODAUX, LA 348 $75,910,000 $218,132 $6,302 3.01%
CHARLOTTESVILLE, VA 268 $75,230,000 $280,709 $4,637 2.96%
OMAHA-COUNCIL BLUFFS, NE-IA 323 $74,795,000 $231,563 $4,039 2.87%
SAVANNAH, GA 289 $71,555,000 $247,595 $4,903 2.87%
PUNTA GORDA, FL 313 $71,455,000 $228,291 $5,524 3.07%
GRAND JUNCTION, CO 278 $71,050,000 $255,576 $4,328 3.01%
ANCHORAGE, AK 210 $70,060,000 $333,619 $6,477 2.77%
GAINESVILLE, GA 260 $69,870,000 $268,731 $5,275 2.99%
HILTON HEAD ISLAND-BLUFFTON, SC 250 $67,130,000 $268,520 $5,534 2.88%
GARY, IN 309 $66,985,000 $216,780 $3,901 3.28%
ASHEVILLE, NC 250 $66,350,000 $265,400 $4,348 3.12%
MOUNT VERNON-ANACORTES, WA 211 $66,285,000 $314,147 $4,059 2.98%
BILLINGS, MT 257 $61,695,000 $240,058 $7,123 2.95%
AUGUSTA-RICHMOND COUNTY, GA-SC 281 $61,415,000 $218,559 $4,597 2.86%
MISSOULA, MT 209 $60,005,000 $287,105 $4,656 2.96%
LANCASTER, PA 265 $58,695,000 $221,491 $5,636 2.97%
GAINESVILLE, FL 256 $58,250,000 $227,539 $5,541 3.02%
DAYTON-KETTERING, OH 269 $58,125,000 $216,078 $5,133 3.04%
SANTA FE, NM 192 $57,210,000 $297,969 $5,538 3.13%
FAYETTEVILLE, NC 272 $57,170,000 $210,184 $4,521 3.01%
OCEAN CITY, NJ 181 $56,465,000 $311,961 $5,427 2.97%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 248 $55,810,000 $225,040 $4,542 2.98%
GRAND FORKS, ND-MN 225 $54,975,000 $244,333 $4,850 3.02%
CLARKSVILLE, TN-KY 238 $54,230,000 $227,857 $5,188 2.76%
CHATTANOOGA, TN-GA 229 $53,415,000 $233,253 $5,145 3.11%
DES MOINES-WEST DES MOINES, IA 228 $53,270,000 $233,640 $4,089 3.06%
BRUNSWICK, GA 200 $52,950,000 $264,750 $5,169 2.97%
COLLEGE STATION-BRYAN, TX 199 $51,675,000 $259,673 $4,412 2.98%
EL PASO, TX 258 $51,640,000 $200,155 $5,407 2.98%
CORPUS CHRISTI, TX 215 $50,285,000 $233,884 $5,560 3.02%
OCALA, FL 281 $49,775,000 $177,135 $5,056 3.03%
PEORIA, IL 288 $49,170,000 $170,729 $3,652 3.11%
NORWICH-NEW LONDON, CT 198 $48,330,000 $244,091 $5,720 3.17%
TYLER, TX 207 $47,355,000 $228,768 $4,718 3.13%
JACKSON, MS 180 $47,230,000 $262,389 $4,573 3.11%
PANAMA CITY, FL 192 $46,740,000 $243,438 $5,769 3.03%
LEWISTON-AUBURN, ME 234 $46,320,000 $197,949 $5,009 3.03%
AUBURN-OPELIKA, AL 180 $45,760,000 $254,222 $4,418 2.97%
YUMA, AZ 215 $45,685,000 $212,488 $4,495 2.94%
GREENSBORO-HIGH POINT, NC 197 $45,275,000 $229,822 $4,051 2.97%
SPRINGFIELD, MA 201 $45,065,000 $224,204 $5,682 3.13%
ROCHESTER, NY 222 $44,350,000 $199,775 $6,983 3.05%
WINCHESTER, VA-WV 167 $43,965,000 $263,263 $4,893 3.04%
ATLANTIC CITY-HAMMONTON, NJ 173 $43,845,000 $253,439 $4,987 2.93%
ATHENS-CLARKE COUNTY, GA 167 $43,655,000 $261,407 $5,516 3.08%
IDAHO FALLS, ID 182 $43,600,000 $239,560 $5,417 3.07%
KALAMAZOO-PORTAGE, MI 207 $42,665,000 $206,111 $4,152 3.00%
YORK-HANOVER, PA 184 $42,660,000 $231,848 $6,405 2.95%
AKRON, OH 181 $42,075,000 $232,459 $5,299 2.90%
MONROE, MI 208 $42,020,000 $202,019 $4,578 3.01%
HAGERSTOWN-MARTINSBURG, MD-WV 183 $41,705,000 $227,896 $5,928 3.02%
LAFAYETTE-WEST LAFAYETTE, IN 197 $39,915,000 $202,614 $4,212 3.22%
SOUTH BEND-MISHAWAKA, IN-MI 209 $39,725,000 $190,072 $4,010 3.07%
SEBASTIAN-VERO BEACH, FL 174 $38,410,000 $220,747 $5,242 3.07%
MCALLEN-EDINBURG-MISSION, TX 179 $38,095,000 $212,821 $5,928 3.16%
APPLETON, WI 174 $37,720,000 $216,782 $3,890 2.87%
SHREVEPORT-BOSSIER CITY, LA 158 $37,270,000 $235,886 $5,915 2.83%
RAPID CITY, SD 159 $36,515,000 $229,654 $4,289 2.84%
LAKE CHARLES, LA 144 $36,280,000 $251,944 $5,336 3.43%
MOBILE, AL 180 $36,200,000 $201,111 $5,109 3.18%
LONGVIEW, WA 125 $35,155,000 $281,240 $4,468 2.90%
KILLEEN-TEMPLE, TX 157 $35,065,000 $223,344 $4,349 2.91%
STATE COLLEGE, PA 130 $33,140,000 $254,923 $5,448 2.77%
HOMOSASSA SPRINGS, FL 178 $32,910,000 $184,888 $5,293 3.07%
SPARTANBURG, SC 164 $32,700,000 $199,390 $4,541 3.10%
TULSA, OK 140 $32,680,000 $233,429 $5,746 3.04%
ST. CLOUD, MN 148 $32,650,000 $220,608 $5,377 2.96%
TWIN FALLS, ID 145 $32,595,000 $224,793 $5,228 2.89%
SCRANTON--WILKES-BARRE, PA 164 $32,300,000 $196,951 $5,586 3.07%
READING, PA 156 $32,260,000 $206,795 $6,376 3.08%
THE VILLAGES, FL 130 $32,030,000 $246,385 $5,348 2.93%
BROWNSVILLE-HARLINGEN, TX 158 $30,210,000 $191,203 $4,942 2.98%
TOLEDO, OH 145 $29,905,000 $206,241 $5,931 3.14%
FARMINGTON, NM 132 $29,210,000 $221,288 $4,396 3.17%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 119 $29,115,000 $244,664 $4,737 2.98%
CORVALLIS, OR 92 $26,400,000 $286,957 $4,835 2.96%
WINSTON-SALEM, NC 122 $26,400,000 $216,393 $3,989 3.07%
TALLAHASSEE, FL 116 $26,300,000 $226,724 $5,944 2.87%
BISMARCK, ND 101 $26,245,000 $259,851 $3,747 3.01%
ALBANY-LEBANON, OR 105 $26,105,000 $248,619 $5,459 3.03%
JOHNSON CITY, TN 119 $25,645,000 $215,504 $4,779 2.98%
JACKSON, MI 129 $25,145,000 $194,922 $4,004 3.10%
BLACKSBURG-CHRISTIANSBURG, VA 102 $24,970,000 $244,804 $5,222 3.09%
MACON-BIBB COUNTY, GA 106 $24,370,000 $229,906 $4,839 2.95%
JACKSONVILLE, NC 109 $24,125,000 $221,330 $4,347 2.70%
CARSON CITY, NV 84 $24,090,000 $286,786 $4,578 3.05%
YAKIMA, WA 89 $24,015,000 $269,831 $4,645 2.90%
BURLINGTON-SOUTH BURLINGTON, VT 85 $23,665,000 $278,412 $3,948 3.11%
CALIFORNIA-LEXINGTON PARK, MD 77 $23,565,000 $306,039 $5,635 2.86%
RACINE, WI 107 $22,835,000 $213,411 $3,531 3.07%
ROANOKE, VA 90 $21,700,000 $241,111 $4,408 2.98%
WARNER ROBINS, GA 98 $21,640,000 $220,816 $4,672 2.92%
COLUMBUS, GA-AL 100 $21,460,000 $214,600 $4,496 2.85%
DOVER, DE 83 $21,385,000 $257,651 $5,994 2.91%
POCATELLO, ID 94 $21,110,000 $224,574 $4,848 3.00%
FORT WAYNE, IN 104 $21,050,000 $202,404 $4,054 2.92%
LAREDO, TX 95 $20,705,000 $217,947 $5,699 3.02%
ALBANY, GA 102 $20,680,000 $202,745 $5,680 3.06%
HICKORY-LENOIR-MORGANTON, NC 76 $20,370,000 $268,026 $4,710 2.88%
ELIZABETHTOWN-FORT KNOX, KY 86 $20,030,000 $232,907 $4,086 2.76%
MIDLAND, TX 72 $20,000,000 $277,778 $5,715 3.10%
CHAMPAIGN-URBANA, IL 98 $19,920,000 $203,265 $2,749 3.02%
BEAUMONT-PORT ARTHUR, TX 88 $19,380,000 $220,227 $5,386 3.10%
WACO, TX 82 $19,260,000 $234,878 $4,465 3.17%
KINGSPORT-BRISTOL, TN-VA 96 $19,190,000 $199,896 $4,796 3.13%
SHERMAN-DENISON, TX 83 $18,965,000 $228,494 $5,032 3.21%
DULUTH, MN-WI 86 $18,070,000 $210,116 $4,982 2.95%
WALLA WALLA, WA 69 $17,875,000 $259,058 $6,352 2.89%
GULFPORT-BILOXI, MS 82 $17,720,000 $216,098 $6,078 3.07%
EAST STROUDSBURG, PA 87 $16,965,000 $195,000 $6,174 3.02%
ROCKFORD, IL 100 $16,510,000 $165,100 $4,253 3.21%
NILES, MI 75 $16,355,000 $218,067 $4,323 2.92%
CEDAR RAPIDS, IA 85 $15,825,000 $186,176 $4,218 3.17%
WICHITA, KS 81 $15,615,000 $192,778 $4,302 2.84%
MUSKEGON, MI 87 $15,605,000 $179,368 $4,207 3.22%
DECATUR, AL 75 $15,415,000 $205,533 $6,209 3.01%
SPRINGFIELD, MO 70 $15,100,000 $215,714 $3,456 2.89%
CLEVELAND, TN 78 $15,020,000 $192,564 $5,343 3.03%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 80 $14,620,000 $182,750 $4,594 3.05%
SIERRA VISTA-DOUGLAS, AZ 69 $14,495,000 $210,072 $3,193 2.78%
GRANTS PASS, OR 54 $14,440,000 $267,407 $5,387 3.03%
EVANSVILLE, IN-KY 75 $14,275,000 $190,333 $4,521 3.20%
LUBBOCK, TX 65 $14,275,000 $219,615 $5,175 3.02%
SAGINAW, MI 87 $14,205,000 $163,276 $3,737 2.99%
TUSCALOOSA, AL 61 $13,425,000 $220,082 $4,990 2.96%
SEBRING-AVON PARK, FL 62 $13,280,000 $214,194 $5,388 3.22%
LAS CRUCES, NM 59 $12,985,000 $220,085 $4,814 2.86%
ABILENE, TX 64 $12,790,000 $199,844 $4,889 3.05%
CASPER, WY 57 $12,785,000 $224,298 $4,478 2.81%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 69 $12,575,000 $182,246 $4,970 3.02%
BURLINGTON, NC 54 $12,250,000 $226,852 $3,699 3.11%
BOWLING GREEN, KY 51 $12,095,000 $237,157 $3,768 3.08%
SUMTER, SC 58 $11,910,000 $205,345 $4,235 2.69%
CAPE GIRARDEAU, MO-IL 65 $11,895,000 $183,000 $4,694 3.26%
SYRACUSE, NY 58 $11,850,000 $204,310 $7,011 3.15%
OSHKOSH-NEENAH, WI 65 $11,765,000 $181,000 $3,295 2.93%
BATTLE CREEK, MI 63 $11,335,000 $179,921 $3,767 3.09%
HINESVILLE, GA 54 $11,200,000 $207,407 $4,772 2.73%
CHAMBERSBURG-WAYNESBORO, PA 47 $10,815,000 $230,106 $6,577 2.89%
MORRISTOWN, TN 43 $9,985,000 $232,209 $5,137 2.97%
ERIE, PA 51 $9,985,000 $195,784 $6,780 3.27%
AMARILLO, TX 40 $9,690,000 $242,250 $4,650 3.07%
OWENSBORO, KY 51 $9,675,000 $189,706 $4,304 3.11%
MONROE, LA 50 $9,630,000 $192,600 $5,947 3.03%
HOT SPRINGS, AR 40 $9,620,000 $240,500 $4,641 2.86%
COLUMBIA, MO 43 $9,465,000 $220,116 $3,786 3.11%
HATTIESBURG, MS 47 $9,375,000 $199,468 $5,066 2.96%
GOLDSBORO, NC 44 $9,370,000 $212,955 $4,215 2.68%
VALDOSTA, GA 43 $9,165,000 $213,140 $4,214 2.99%
FLORENCE-MUSCLE SHOALS, AL 41 $8,655,000 $211,098 $4,163 3.08%
MIDLAND, MI 44 $8,620,000 $195,909 $3,858 3.03%
GETTYSBURG, PA 39 $8,495,000 $217,821 $6,904 2.98%
GLENS FALLS, NY 40 $8,390,000 $209,750 $6,907 3.18%
KINGSTON, NY 29 $8,265,000 $285,000 $8,675 3.11%
ODESSA, TX 37 $8,135,000 $219,865 $5,831 3.29%
BAY CITY, MI 41 $8,135,000 $198,415 $4,011 3.05%
WICHITA FALLS, TX 41 $8,015,000 $195,488 $4,682 2.84%
MORGANTOWN, WV 30 $7,850,000 $261,667 $4,154 2.66%
HARRISONBURG, VA 31 $7,765,000 $250,484 $3,627 3.00%
UTICA-ROME, NY 47 $7,715,000 $164,149 $7,737 3.30%
ELKHART-GOSHEN, IN 37 $7,425,000 $200,676 $4,368 3.03%
WAUSAU-WESTON, WI 32 $7,410,000 $231,563 $4,714 2.97%
LONGVIEW, TX 35 $7,395,000 $211,286 $4,917 3.18%
SHEBOYGAN, WI 35 $7,365,000 $210,429 $3,051 3.07%
LINCOLN, NE 33 $7,325,000 $221,970 $3,248 3.18%
CANTON-MASSILLON, OH 36 $7,320,000 $203,333 $5,163 2.89%
EAU CLAIRE, WI 38 $7,010,000 $184,474 $3,692 2.97%
LAWRENCE, KS 33 $6,995,000 $211,970 $3,795 3.06%
NEW BERN, NC 30 $6,930,000 $231,000 $3,362 2.84%
STAUNTON, VA 32 $6,800,000 $212,500 $4,346 2.86%
JANESVILLE-BELOIT, WI 32 $6,770,000 $211,563 $4,321 3.11%
LA CROSSE-ONALASKA, WI-MN 24 $6,380,000 $265,833 $5,186 2.85%
HAMMOND, LA 33 $6,265,000 $189,848 $6,043 2.97%
CHEYENNE, WY 23 $6,055,000 $263,261 $5,281 2.68%
TOPEKA, KS 34 $5,660,000 $166,471 $4,268 3.07%
MANHATTAN, KS 26 $5,420,000 $208,462 $3,717 3.08%
LEBANON, PA 25 $5,395,000 $215,800 $5,458 2.78%
DOTHAN, AL 25 $4,905,000 $196,200 $4,229 2.99%
JACKSON, TN 24 $4,870,000 $202,917 $5,483 2.83%
LEWISTON, ID-WA 19 $4,855,000 $255,526 $5,808 3.13%
KANKAKEE, IL 24 $4,660,000 $194,167 $4,679 3.31%
JEFFERSON CITY, MO 22 $4,510,000 $205,000 $4,247 2.96%
COLUMBUS, IN 20 $4,370,000 $218,500 $3,529 2.93%
MICHIGAN CITY-LA PORTE, IN 20 $4,310,000 $215,500 $3,546 3.16%
ROCKY MOUNT, NC 20 $4,170,000 $208,500 $4,269 3.11%
BANGOR, ME 24 $4,140,000 $172,500 $4,801 2.95%
VINELAND-BRIDGETON, NJ 20 $4,080,000 $204,000 $5,042 2.89%
ROME, GA 20 $3,980,000 $199,000 $5,176 2.98%
ST. JOSEPH, MO-KS 22 $3,970,000 $180,455 $3,935 3.16%
FOND DU LAC, WI 21 $3,915,000 $186,429 $3,947 2.97%
CARBONDALE-MARION, IL 18 $3,890,000 $216,111 $3,537 3.13%
FAIRBANKS, AK 14 $3,860,000 $275,714 $4,800 2.40%
BLOOMINGTON, IN 17 $3,845,000 $226,176 $3,692 2.94%
FLORENCE, SC 14 $3,830,000 $273,571 $5,644 3.08%
GREENVILLE, NC 17 $3,825,000 $225,000 $3,081 2.76%
SPRINGFIELD, OH 19 $3,795,000 $199,737 $4,855 3.21%
SIOUX CITY, IA-NE-SD 16 $3,560,000 $222,500 $3,861 3.18%
PITTSFIELD, MA 12 $3,490,000 $290,833 $4,949 3.23%
ALEXANDRIA, LA 17 $3,455,000 $203,235 $5,501 2.80%
BLOOMINGTON, IL 21 $3,355,000 $159,762 $3,912 2.86%
JONESBORO, AR 16 $3,330,000 $208,125 $3,756 2.98%
GREAT FALLS, MT 15 $3,235,000 $215,667 $3,767 2.83%
GADSDEN, AL 14 $3,200,000 $228,571 $4,464 3.01%
WILLIAMSPORT, PA 18 $3,160,000 $175,556 $5,284 3.06%
ANNISTON-OXFORD, AL 16 $3,140,000 $196,250 $3,383 2.93%
BLOOMSBURG-BERWICK, PA 12 $3,120,000 $260,000 $4,529 3.04%
ALTOONA, PA 15 $3,105,000 $207,000 $5,930 2.83%
DALTON, GA 15 $3,105,000 $207,000 $4,453 3.15%
KOKOMO, IN 15 $2,985,000 $199,000 $3,178 3.13%
HUNTINGTON-ASHLAND, WV-KY-OH 14 $2,840,000 $202,857 $4,230 3.08%
VICTORIA, TX 14 $2,800,000 $200,000 $4,038 3.08%
IOWA CITY, IA 12 $2,590,000 $215,833 $3,299 3.30%
LAWTON, OK 9 $2,585,000 $287,222 $6,142 2.42%
SAN ANGELO, TX 11 $2,545,000 $231,364 $3,532 2.57%
JOHNSTOWN, PA 10 $2,210,000 $221,000 $6,289 2.70%
MUNCIE, IN 13 $2,045,000 $157,308 $3,819 2.97%
TEXARKANA, TX-AR 8 $1,960,000 $245,000 $4,795 2.90%
MANSFIELD, OH 15 $1,915,000 $127,667 $3,864 3.44%
SPRINGFIELD, IL 9 $1,905,000 $211,667 $3,012 3.07%
BINGHAMTON, NY 10 $1,750,000 $175,000 $4,699 3.11%
JOPLIN, MO 8 $1,690,000 $211,250 $4,893 3.04%
ITHACA, NY 5 $1,445,000 $289,000 $8,661 2.82%
TERRE HAUTE, IN 6 $1,370,000 $228,333 $4,340 2.93%
DANVILLE, IL 8 $1,360,000 $170,000 $2,361 3.03%
WATERTOWN-FORT DRUM, NY 6 $1,270,000 $211,667 $6,553 3.07%
AMES, IA 6 $1,080,000 $180,000 $4,295 3.37%
WATERLOO-CEDAR FALLS, IA 4 $930,000 $232,500 $4,526 2.53%
FORT SMITH, AR-OK 4 $890,000 $222,500 $3,819 2.56%
ENID, OK 3 $835,000 $278,333 $5,617 2.43%
WHEELING, WV-OH 3 $825,000 $275,000 $3,614 3.20%
DUBUQUE, IA 3 $805,000 $268,333 $4,842 2.29%
DECATUR, IL 3 $735,000 $245,000 $2,943 2.54%
CHARLESTON, WV 4 $720,000 $180,000 $4,491 2.81%
LIMA, OH 4 $700,000 $175,000 $5,346 3.59%
BECKLEY, WV 5 $685,000 $137,000 $4,835 3.35%
PARKERSBURG-VIENNA, WV 4 $570,000 $142,500 $5,415 2.91%
CUMBERLAND, MD-WV 3 $515,000 $171,667 $3,350 2.79%
Outside of Metro Areas 2 $360,000 $180,000 $7,480 3.25%
WEIRTON-STEUBENVILLE, WV-OH 2 $300,000 $150,000 $3,928 3.63%
PINE BLUFF, AR 2 $260,000 $130,000 $4,999 2.50%
GRAND ISLAND, NE 1 $205,000 $205,000 $3,337 3.00%

United Wholesale Mortgage 's top markets include Los Angeles, San Diego, Anaheim, Riverside, and Phoenix among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 295,272 $97,883,640,000 $331,503
3-4% 159,726 $51,465,910,000 $322,214
<2.5% 87,787 $28,066,475,000 $319,711
4-5% 16,649 $5,074,825,000 $304,813
5-6% 1,364 $329,560,000 $241,613

During 2020, United Wholesale Mortgage 's average interest rate was 3.07%, while their most frequently originated rate bucket was 2.5-3%, with 295,272 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 298,085 $87,342,365,000 $293,012 $5,033 3.00%
$400k-600k 124,033 $59,130,595,000 $476,733 $6,139 3.01%
$100k-200k 105,487 $16,806,165,000 $159,320 $4,043 3.05%
$600k-1MM 26,477 $18,312,855,000 $691,651 $8,605 3.08%
$100,000 or less 6,122 $508,110,000 $82,997 $3,786 3.33%
$1MM+ 594 $720,320,000 $1,212,660 $13,048 3.41%

2020 saw United Wholesale Mortgage place emphasis on $200k-400k loans with 298,085 originations, totaling $87,342,365,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 142,672 $50,864,860,000 $356,516 $5,459 3.03%
$50k-75k 104,031 $25,656,425,000 $246,623 $5,123 3.07%
$75k-100k 101,817 $30,873,175,000 $303,222 $5,384 3.05%
$150k-250k 93,087 $38,738,505,000 $416,154 $5,649 3.03%
$50k or less 46,306 $8,290,780,000 $179,043 $4,642 3.12%
$250k+ 27,954 $12,865,060,000 $460,223 $5,903 3.05%

United Wholesale Mortgage lent most frequently to those with incomes in the $100k-150k range, with 142,672 originations. The second most popular income band? $50k-75k, with 104,031 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 120,184 $38,102,280,000 $317,033 $4,773 2.99%
30-36% 94,658 $30,761,010,000 $324,970 $5,174 3.05%
<20% 43,998 $13,047,160,000 $296,540 $4,415 2.92%
44% 21,262 $6,965,810,000 $327,618 $5,951 3.15%
49% 19,180 $6,501,690,000 $338,983 $6,116 3.08%
43% 19,148 $6,273,750,000 $327,645 $5,796 3.12%
42% 18,716 $6,283,330,000 $335,720 $5,751 3.12%
41% 18,055 $6,004,515,000 $332,568 $5,699 3.11%
40% 17,718 $5,883,220,000 $332,048 $5,662 3.10%
39% 17,683 $5,794,265,000 $327,674 $5,568 3.09%
38% 17,429 $5,733,195,000 $328,946 $5,479 3.09%
36% 16,870 $5,547,860,000 $328,860 $5,398 3.07%
45% 16,869 $5,618,565,000 $333,070 $5,963 3.09%
37% 16,810 $5,521,810,000 $328,484 $5,433 3.08%
48% 15,758 $5,319,370,000 $337,566 $5,956 3.08%
46% 15,105 $5,075,645,000 $336,024 $5,819 3.09%
47% 15,104 $5,086,260,000 $336,749 $5,894 3.09%
50-60% 10,731 $3,520,055,000 $328,027 $8,330 3.22%
>60% 589 $249,015,000 $422,776 $8,754 3.26%

United Wholesale Mortgage lent most frequently to those with DTI ratios of 20-30%, with 120,184 originations. The next most common DTI ratio? 30-36%, with 94,658 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 374,407 $118,384,285,000 $316,191 $5,279 3.04%
Not provided 91,886 $31,392,570,000 $341,647 $5,302 2.97%
Asian 65,703 $23,969,625,000 $364,818 $4,699 2.96%
Black 20,992 $6,364,480,000 $303,186 $6,645 3.09%
American Indian 2,412 $759,120,000 $314,726 $5,734 3.01%
Native Hawaiian 2,008 $734,220,000 $365,647 $5,728 2.99%
Asian Indian 1,483 $544,855,000 $367,401 $4,639 2.82%
Filipino 513 $193,505,000 $377,203 $5,525 2.92%
Other Asian 364 $119,540,000 $328,407 $5,311 2.90%
Chinese 321 $113,965,000 $355,031 $4,610 2.90%
Vietnamese 258 $86,690,000 $336,008 $4,793 2.98%
Other Pacific Islander 178 $56,630,000 $318,146 $5,878 3.04%
Korean 124 $46,040,000 $371,290 $4,963 2.93%
Japanese 99 $35,605,000 $359,646 $4,793 2.99%
Guamanian 22 $8,040,000 $365,455 $4,822 2.78%
Native Hawiian 19 $7,925,000 $417,105 $4,638 2.99%
Samoan 9 $3,315,000 $368,333 $7,923 2.79%

Approval Rates

Total approvals of all applications
93.92%

United Wholesale Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
94.08%

United Wholesale Mortgage has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 560,798 $182,820,410,000 $326,000

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Site-Built 560,798 $182,820,410,000 $326,000

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 35,529 $9,165,475,000 $257,972 $3,999 2.84%
40-60% 125,156 $40,101,800,000 $320,415 $4,298 2.89%
60-80% 226,665 $77,032,205,000 $339,850 $5,207 3.05%
80-100% 163,535 $53,377,455,000 $326,398 $6,134 3.10%
Over 100% 4,387 $1,636,125,000 $372,948 $11,990 2.84%
Under 20% 2,505 $574,345,000 $229,279 $4,036 2.87%