Lenders › United Wholesale Mortgage › Alabama
United Wholesale Mortgage in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
United Wholesale Mortgage's 2024 HMDA record for Alabama covers 6,028 applications, 4,568 of them originated, worth $1.2bn.
Its denial rate in the state was 11.7%, below the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Alabama originations was 0.1 percentage points (state median 0.4).
Applications in the state were up 25% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.7% | 26.3% | 13.4% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.3% | 16.5% | 5.8% | 15.6% |
| Average originated loan | $271k | $228k | $382k | $329k |
| Home purchase share | 61.2% | 59.0% | 67.0% | 57.0% |
| FHA-insured share | 25.5% | 18.0% | 20.3% | 13.4% |
| VA-guaranteed share | 25.2% | 12.5% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 61% (2,797)Refinancing 19% (875)Cash-out refinancing 20% (896)
By type
Conventional 47% (2,162)FHA 25% (1,164)VA 25% (1,151)USDA 2% (91)
Denial reasons as coded
Share of 620 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 866 | 675 | $166m | 11.5% |
| Madison County | 838 | 668 | $211m | 8.4% |
| Baldwin County | 449 | 326 | $113m | 15.0% |
| Shelby County | 363 | 300 | $93m | 9.0% |
| Limestone County | 266 | 216 | $71m | 6.7% |
| Mobile County | 300 | 209 | $49m | 13.5% |
| Lee County | 221 | 173 | $54m | 11.7% |
| Montgomery County | 243 | 168 | $33m | 15.7% |
| St. Clair County | 150 | 122 | $33m | 8.8% |
| Tallapoosa County | 153 | 117 | $40m | 12.4% |
| Morgan County | 144 | 102 | $26m | 14.5% |
| Calhoun County | 140 | 101 | $22m | 13.3% |
| Elmore County | 127 | 100 | $29m | 12.8% |
| Tuscaloosa County | 134 | 96 | $24m | 13.2% |
| Marshall County | 125 | 91 | $24m | 15.5% |
| Cullman County | 109 | 82 | $19m | 8.7% |
| Blount County | 97 | 75 | $18m | 9.6% |
| Talladega County | 98 | 73 | $15m | 14.9% |
| Walker County | 91 | 70 | $14m | 10.3% |
| Russell County | 88 | 67 | $16m | 5.4% |
| Houston County | 83 | 60 | $16m | 14.3% |
| Coffee County | 94 | 58 | $16m | 19.7% |
| Autauga County | 77 | 58 | $15m | 14.7% |
| DeKalb County | 61 | 50 | $12m | 10.7% |
| Etowah County | 78 | 47 | $9.7m | 23.0% |
| Cherokee County | 44 | 39 | $10m | 7.1% |
| Lauderdale County | 54 | 38 | $8.3m | 11.1% |
| Jackson County | 45 | 36 | $9.3m | 5.1% |
| Colbert County | 44 | 33 | $5.1m | 5.4% |
| Chambers County | 44 | 28 | $5.4m | 20.0% |
| Dale County | 34 | 25 | $6.1m | 10.3% |
| Chilton County | 32 | 24 | $6.1m | 7.7% |
| Lawrence County | 28 | 23 | $5.3m | 8.0% |
| Covington County | 30 | 21 | $4.2m | 15.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Alabama in 2024?
4,568 loans totalling $1.2bn, from 6,028 applications reported for properties in Alabama.
What is United Wholesale Mortgage's denial rate in Alabama?
11.7% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 13.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does United Wholesale Mortgage lend in most?
By originations: Jefferson County (675), Madison County (668), Baldwin County (326), Shelby County (300), Limestone County (216).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.