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Here's what United Wholesale Mortgage's own reported loans looked like in 2025, from government HMDA data. Use it to see how a lender has priced loans and how often it said no, then get a Loan Estimate to compare real offers.
Note: UWM lends through independent mortgage brokers (wholesale), not directly to consumers.
*Conventional first-lien home-purchase loans (158,179 loans with a reported rate). LEI 549300HW662MN1WU8550.
Denial rate = denied applications ÷ (originated + denied) for home-purchase loans; it reflects who applied to that lender, not your odds. Rate spread = the loan's APR minus the average prime offer rate for a comparable loan when it was locked (lower is cheaper vs the market; negative means below the benchmark). Medians are for conventional first-lien home-purchase loans the lender made. HMDA is past data, not a quote. Source: CFPB/FFIEC HMDA 2025 data via the HMDA Data Browser (pulled 2026-10-12).
The median interest rate on United Wholesale Mortgage's conventional first-lien home-purchase loans in 2025 was 6.625%, per HMDA data. Your rate depends on your credit, down payment and the market.
9.7% of its home-purchase applications that ended in an origination or denial were denied in 2025 (HMDA).
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.