Looking for a different lender?
U
UNITED WHOLESALE MORTGAGE, LLC
Independent Mortgage Company|PLYMOUTH, MI|National
Loans Originated
285,901
Applications
373,376
Volume
$116 billion
Sources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards💎VA Champion💎Refinance Champion⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.185%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,828
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Report Card
UNITED WHOLESALE MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Exceptional | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$407,436
Average Borrower Income
$153,998
Average Property Value
$526,024
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Acceptable | Exceptional | 183,001 | 64.0% | +0.291% | $2,824 |
FHA Loans | Strong | Exceptional | Sound | Exceptional | 66,050 | 23.1% | +0.356% | $3,081 |
VA Loans | Exceptional | Exceptional | Strong | Exceptional | 29,388 | 10.3% | -0.666% | $2,535 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 6,337 | 2.2% | +0.275% | $1,971 |
USDA Loans | Strong | Exceptional | Strong | Strong | 1,125 | 0.4% | +0.128% | $2,702 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Acceptable | Exceptional | 218,331 | 76.4% | +0.341% | $3,073 |
Refinance | Exceptional | Exceptional | Strong | Exceptional | 67,570 | 23.6% | -0.219% | $2,199 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Phoenix, AZMSA
Volume: 10,650Mix: 3.73%
Place Specialization
Exceptional
2
Houston, TXMSA
Volume: 8,636Mix: 3.02%
Place Specialization
Exceptional
3
Riverside, CAMSA
Volume: 7,468Mix: 2.61%
Place Specialization
Exceptional
4
Dallas, TXMSA
Volume: 6,943Mix: 2.43%
Place Specialization
Exceptional
5
Denver, COMSA
Volume: 6,898Mix: 2.41%
Place Specialization
Exceptional
6
Warren, MIMSA
Volume: 6,648Mix: 2.33%
Place Specialization
Exceptional
7
Los Angeles, CAMSA
Volume: 6,340Mix: 2.22%
Place Specialization
Exceptional
8
Sacramento, CAMSA
Volume: 5,307Mix: 1.86%
Place Specialization
Exceptional
9
San Diego, CAMSA
Volume: 4,837Mix: 1.69%
Place Specialization
Exceptional
10
Orlando, FLMSA
Volume: 4,820Mix: 1.69%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 41,870Mix: 14.64%
Place Specialization
Exceptional
2
FLState
Volume: 38,081Mix: 13.32%
Place Specialization
Exceptional
3
TXState
Volume: 28,295Mix: 9.90%
Place Specialization
Exceptional
4
AZState
Volume: 13,305Mix: 4.65%
Place Specialization
Exceptional
5
COState
Volume: 12,892Mix: 4.51%
Place Specialization
Exceptional
6
NVState
Volume: 3,738Mix: 1.31%
Place Specialization
Exceptional
7
WAState
Volume: 6,493Mix: 2.27%
Place Specialization
Exceptional
8
MIState
Volume: 14,800Mix: 5.18%
Place Specialization
Exceptional
9
UTState
Volume: 7,250Mix: 2.54%
Place Specialization
Exceptional
10
GAState
Volume: 11,272Mix: 3.94%
Place Specialization
Exceptional
Showing 10 of 51 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare UNITED WHOLESALE MORTGAGE, LLC with other lenders or get personalized recommendations.