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United Wholesale Mortgage

Independent Mortgage Company•Plymouth, MIHQ•Wholesale•Reviews near you on Google

United Wholesale Mortgage's 285.9k closed loans and 373k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
National · 49 mkts
Promptness
Sound
3/5
Answers within ~2 business days
Safe Rate Awards
VA Champion
VA
Champion
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Jumbo Superstar
Jumbo
Superstar
USDA Superstar
USDA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

United Wholesale Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+18.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 10% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 5% of lenders
FHA
Exceptional
Top 5% of lenders
VA
Exceptional
Top 5% of lenders
Jumbo
Exceptional
Top 5% of lenders
USDA
Exceptional
Top 5% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 5% of lenders
Refinance
Exceptional
Top 5% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Exceptional
Top 5% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Exceptional
Volume183,001
Mix64.0%
Spread
+0.291%Above
Fees
$2,824Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Exceptional
Volume66,050
Mix23.1%
Spread
+0.356%Above
Fees
$3,081Fees
VA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Strong
Pull Through
Exceptional
Volume29,388
Mix10.3%
Spread
-0.666%Below
Fees
$2,535Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume6,337
Mix2.2%
Spread
+0.275%Above
Fees
$1,971Fees
USDA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,125
Mix0.4%
Spread
+0.128%Above
Fees
$2,702Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Exceptional
Volume218,331
Mix76.4%
Spread
+0.341%Above
Fees
$3,073Fees
Refinance
Overall
Exceptional
Product
Exceptional
Pricing
Strong
Pull Through
Exceptional
Volume67,570
Mix23.6%
Spread
-0.219%Below
Fees
$2,199Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
285,901
Applications
373,376
Volume
$116 billion
Pricing & Closing
Avg Rate Spread
+0.185%
vs. market APOR
Avg Net Fees
$2,828
Origination − Credits
Pullthrough Rate
76.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$407,436
Avg Borrower Income
$153,998
Avg Property Value
$526,024

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 10,650Mix 3.73% of portfolio
100/100
Exceptional
2© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 8,636Mix 3.02% of portfolio
100/100
Exceptional
3© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 7,468Mix 2.61% of portfolio
100/100
Exceptional
4© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 6,943Mix 2.43% of portfolio
100/100
Exceptional
5© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 6,898Mix 2.41% of portfolio
100/100
Exceptional
6© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 6,648Mix 2.33% of portfolio
100/100
Exceptional
7© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 6,340Mix 2.22% of portfolio
100/100
Exceptional
8© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 5,307Mix 1.86% of portfolio
100/100
Exceptional
9© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 4,837Mix 1.69% of portfolio
100/100
Exceptional
10© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 4,820Mix 1.69% of portfolio
100/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 41,870Mix 14.64% of portfolio
100/100
Exceptional
Florida
Florida
2
FloridaState
Volume 38,081Mix 13.32% of portfolio
100/100
Exceptional
Texas
Texas
3
TexasState
Volume 28,295Mix 9.90% of portfolio
100/100
Exceptional
Arizona
Arizona
4
ArizonaState
Volume 13,305Mix 4.65% of portfolio
100/100
Exceptional
Colorado
Colorado
5
ColoradoState
Volume 12,892Mix 4.51% of portfolio
100/100
Exceptional
Nevada
Nevada
6
NevadaState
Volume 3,738Mix 1.31% of portfolio
100/100
Exceptional
Washington
Washington
7
WashingtonState
Volume 6,493Mix 2.27% of portfolio
99/100
Exceptional
Michigan
Michigan
8
MichiganState
Volume 14,800Mix 5.18% of portfolio
99/100
Exceptional
Utah
Utah
9
UtahState
Volume 7,250Mix 2.54% of portfolio
98/100
Exceptional
Georgia
Georgia
10
GeorgiaState
Volume 11,272Mix 3.94% of portfolio
98/100
Exceptional
Showing 10 of 51 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.