# UNITED WHOLESALE MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/united-wholesale-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UNITED WHOLESALE MORTGAGE, LLC is a independent mortgage company, headquartered in PLYMOUTH, MI, serving borrowers nationwide, with 285,901 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 7% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300HW662MN1WU8550
- **Headquarters:** PLYMOUTH, MI
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.185%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,828
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 285,901
- **Dollar Volume:** $116.5 billion
- **Applications Received:** 373,376
- **Market Share:** 803.00%

## Typical Borrower Profile

- **Average Loan Amount:** $407,436
- **Average Borrower Income:** $153,998
- **Average Property Value:** $526,024

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (83%)
- 💎 **Refinance Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (69%)
- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 100/100 | 183,001 | +0.291% | $2,824 | Exceptional 🤩 |
| FHA | 100/100 | 66,050 | +0.356% | $3,081 | Exceptional 🤩 |
| VA | 98/100 | 29,388 | -0.666% | $2,535 | Exceptional 🤩 |
| Jumbo | 100/100 | 6,337 | +0.275% | $1,971 | Exceptional 🤩 |
| USDA | 100/100 | 1,125 | +0.128% | $2,702 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 140,982 loans, Score: 100/100 (Exceptional)
- Refinance: 42,019 loans, Score: 98/100 (Exceptional)

**FHA:**
- Purchase: 50,817 loans, Score: 100/100 (Exceptional)
- Refinance: 15,233 loans, Score: 97/100 (Exceptional)

**VA:**
- Purchase: 20,292 loans, Score: 97/100 (Exceptional)
- Refinance: 9,096 loans, Score: 98/100 (Exceptional)

**Jumbo:**
- Purchase: 5,119 loans, Score: 100/100 (Exceptional)
- Refinance: 1,218 loans, Score: 99/100 (Exceptional)

**USDA:**
- Purchase: 1,121 loans, Score: 100/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 100/100 | 218,331 | $90.2B | +0.341% | Exceptional 🤩 |
| Refinance | 98/100 | 67,570 | $26.3B | -0.219% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 41,870 | 14.68% | 100/100 |
| FL | 38,081 | 13.01% | 100/100 |
| TX | 28,295 | 8.08% | 100/100 |
| MI | 14,800 | 13.08% | 99/100 |
| AZ | 13,305 | 13.38% | 100/100 |
| CO | 12,892 | 15.45% | 100/100 |
| GA | 11,272 | 8.16% | 98/100 |
| NY | 9,211 | 8.12% | 97/100 |
| IL | 7,352 | 5.89% | 95/100 |
| NC | 7,350 | 4.96% | 89/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 20,699 | 94/100 |
| Phoenix | AZ | 10,650 | 100/100 |
| Houston | TX | 8,636 | 100/100 |
| Riverside | CA | 7,468 | 100/100 |
| Dallas | TX | 6,943 | 100/100 |
| Denver | CO | 6,898 | 100/100 |
| Warren | MI | 6,648 | 100/100 |
| Los Angeles | CA | 6,340 | 100/100 |
| Atlanta | GA | 5,958 | 99/100 |
| Sacramento | CA | 5,307 | 100/100 |
| Chicago | IL | 5,055 | 94/100 |
| San Diego | CA | 4,837 | 100/100 |
| Orlando | FL | 4,820 | 100/100 |
| Tampa, FL | FL | 4,381 | 100/100 |
| New York | NY-NJ | 4,302 | 96/100 |

## Where This Lender Ranks

UNITED WHOLESALE MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States Mortgage Companies
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in United States for VA Loans
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/va-loans)
- 🥇 **#1** in United States for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in United States for USDA Loans
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in United States for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in California for FHA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in California for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in California for VA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/va-loans)
- 🥇 **#1** in California for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in California for USDA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in California for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Florida for USDA Loans
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Florida for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Michigan for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Michigan for VA Loans
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Michigan for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Michigan for USDA Loans
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Michigan for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Colorado for VA Loans
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Colorado for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does UNITED WHOLESALE MORTGAGE, LLC offer?

UNITED WHOLESALE MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNITED WHOLESALE MORTGAGE, LLC offer mortgages?

UNITED WHOLESALE MORTGAGE, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are UNITED WHOLESALE MORTGAGE, LLC's mortgage rates?

UNITED WHOLESALE MORTGAGE, LLC has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.185% above market average.

### What type of lender is UNITED WHOLESALE MORTGAGE, LLC?

UNITED WHOLESALE MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in PLYMOUTH, MI.

### What is UNITED WHOLESALE MORTGAGE, LLC's loan approval success rate?

UNITED WHOLESALE MORTGAGE, LLC has a pull-through score of 93/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/united-wholesale-mortgage

### How to Cite

> "UNITED WHOLESALE MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-wholesale-mortgage

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