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United Wholesale Mortgage's 285.9k closed loans and 373k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
National · 49 mkts
Safe Rate Awards💎VA Champion💎Refinance Champion⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar
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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
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Report Card
United Wholesale Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +18.5 bps above market avg | |
Pull Through Closing strength | Market Leader Top 10% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 5% of lenders | |
FHA | Market Leader Top 5% of lenders | |
VA | Market Leader Top 5% of lenders | |
Jumbo | Market Leader Top 5% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 5% of lenders | |
Refinance | Market Leader Top 5% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 5% of lenders National50 markets | |
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 |
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 |
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
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Phoenix, AZMSA
Volume: 10,650Mix: 3.73%of portfolio
Place
Exceptional2
Houston, TXMSA
Volume: 8,636Mix: 3.02%of portfolio
Place
Exceptional3
Riverside, CAMSA
Volume: 7,468Mix: 2.61%of portfolio
Place
Exceptional4
Dallas, TXMSA
Volume: 6,943Mix: 2.43%of portfolio
Place
Exceptional5
Denver, COMSA
Volume: 6,898Mix: 2.41%of portfolio
Place
Exceptional6
Warren, MIMSA
Volume: 6,648Mix: 2.33%of portfolio
Place
Exceptional7
Los Angeles, CAMSA
Volume: 6,340Mix: 2.22%of portfolio
Place
Exceptional8
Sacramento, CAMSA
Volume: 5,307Mix: 1.86%of portfolio
Place
Exceptional9
San Diego, CAMSA
Volume: 4,837Mix: 1.69%of portfolio
Place
Exceptional10
Orlando, FLMSA
Volume: 4,820Mix: 1.69%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 41,870Mix: 14.64%of portfolio
Place
Exceptional2
FLState
Volume: 38,081Mix: 13.32%of portfolio
Place
Exceptional3
TXState
Volume: 28,295Mix: 9.90%of portfolio
Place
Exceptional4
AZState
Volume: 13,305Mix: 4.65%of portfolio
Place
Exceptional5
COState
Volume: 12,892Mix: 4.51%of portfolio
Place
Exceptional6
NVState
Volume: 3,738Mix: 1.31%of portfolio
Place
Exceptional7
WAState
Volume: 6,493Mix: 2.27%of portfolio
Place
Exceptional8
MIState
Volume: 14,800Mix: 5.18%of portfolio
Place
Exceptional9
UTState
Volume: 7,250Mix: 2.54%of portfolio
Place
Exceptional10
GAState
Volume: 11,272Mix: 3.94%of portfolio
Place
ExceptionalShowing 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.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.