Verified Profile
United Wholesale Mortgage
NMLS Number3038
Years in Business40 Years
United Wholesale Mortgage's 285.9k closed loans and 373k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
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
Acceptable
2/5
Answers 20% of recent requests
Awards
VA
Champion
Refinance
Champion
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
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
3/5
Pull Through
Closing strength
Exceptional
Top 10% of lenders
5/5
By Loan Product· Specialization by type
Conventional
183,001 loans · 0.29% above market
Exceptional
Top 5% of lenders
5/5
FHA
66,050 loans · 0.36% above market
Exceptional
Top 5% of lenders
5/5
VA
29,388 loans · 0.67% below market
Exceptional
Top 5% of lenders
5/5
Jumbo
6,337 loans · 0.28% above market
Exceptional
Top 5% of lenders
5/5
USDA
1,125 loans · 0.13% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
218,331 loans · 0.34% above market
Exceptional
Top 5% of lenders
5/5
Refinance
67,570 loans · 0.22% below market
Exceptional
Top 5% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Exceptional
Top 5% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 183,001 | 64.0% | +0.291%Above | $2,824Fees | ||||
FHA Loans | 66,050 | 23.1% | +0.356%Above | $3,081Fees | ||||
VA Loans | 29,388 | 10.3% | -0.666%Below | $2,535Fees | ||||
Jumbo Loans | 6,337 | 2.2% | +0.275%Above | $1,971Fees | ||||
USDA Loans | 1,125 | 0.4% | +0.128%Above | $2,702Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume183,001
Mix64.0%
Spread
+0.291%Above
Fees
$2,824Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume66,050
Mix23.1%
Spread
+0.356%Above
Fees
$3,081Fees
VA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume29,388
Mix10.3%
Spread
-0.666%Below
Fees
$2,535Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume6,337
Mix2.2%
Spread
+0.275%Above
Fees
$1,971Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,125
Mix0.4%
Spread
+0.128%Above
Fees
$2,702Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 218,331 | 76.4% | +0.341%Above | $3,073Fees | ||||
Refinance | 67,570 | 23.6% | -0.219%Below | $2,199Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume218,331
Mix76.4%
Spread
+0.341%Above
Fees
$3,073Fees
Refinance
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
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
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 500500–2,0002,000–5,0005,000–10,00010,000+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 51 states
Connected Mortgage Brokers
- AAlign Lending
NMLS #2041154
- PParadigm Home Lending LLC
NMLS #2659593
Safe Rate MortgageChicago, IL · NMLS #1590949
Simple Mortgage GroupRaleigh, NC · NMLS #2443527
Verified Product Offerings
Bank StatementConventionalDSCRFHAHELOCsJumboNon-Warrantable Condos2nd LiensUSDAVA
Loan Process Features
Hybrid Closing Available
Virtual Closing Available
In-house Underwriting
Digital Verification of Employment
Digital Verification of Income
Digital Verification of Assets
Servicing Retained
Languages Spoken
English
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.