Lenders › United Wholesale Mortgage › California
United Wholesale Mortgage in California
HMDA record for properties in California, calendar year 2024. National record · California 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.
In California, United Wholesale Mortgage reported 76,071 applications and 55,408 originations for 2024, $29bn in all.
Its denial rate in the state was 14.2%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its California originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 21% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.2% | 24.8% | 13.4% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.0% | 19.9% | 5.8% | 15.6% |
| Average originated loan | $529k | $566k | $382k | $329k |
| Home purchase share | 60.4% | 51.2% | 67.0% | 57.0% |
| FHA-insured share | 20.0% | 11.4% | 20.3% | 13.4% |
| VA-guaranteed share | 9.9% | 4.8% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 60% (33,477)Refinancing 18% (9,872)Cash-out refinancing 22% (12,059)
By type
Conventional 70% (38,803)FHA 20% (11,074)VA 10% (5,501)USDA 0% (30)
Denial reasons as coded
Share of 9,387 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 12,731 | 8,810 | $5.3bn | 17.6% |
| San Diego County | 9,162 | 6,661 | $4.4bn | 13.3% |
| Riverside County | 8,384 | 6,085 | $2.8bn | 14.0% |
| San Bernardino County | 5,968 | 4,267 | $1.8bn | 16.3% |
| Sacramento County | 5,310 | 3,996 | $1.7bn | 11.7% |
| Orange County | 5,096 | 3,702 | $2.6bn | 14.3% |
| Kern County | 2,441 | 1,779 | $593m | 14.7% |
| Contra Costa County | 2,243 | 1,651 | $1.0bn | 14.6% |
| Fresno County | 2,176 | 1,641 | $589m | 12.2% |
| San Joaquin County | 2,206 | 1,590 | $671m | 14.1% |
| Placer County | 1,936 | 1,530 | $768m | 9.5% |
| Alameda County | 1,825 | 1,340 | $891m | 14.5% |
| Ventura County | 1,425 | 1,037 | $629m | 14.5% |
| Solano County | 1,351 | 1,028 | $485m | 12.0% |
| Santa Clara County | 1,319 | 941 | $712m | 15.6% |
| Stanislaus County | 1,122 | 840 | $323m | 13.3% |
| El Dorado County | 763 | 584 | $276m | 10.7% |
| Sonoma County | 765 | 580 | $328m | 10.9% |
| Tulare County | 721 | 520 | $173m | 13.0% |
| Santa Barbara County | 694 | 510 | $271m | 15.5% |
| San Mateo County | 641 | 499 | $385m | 12.6% |
| Monterey County | 648 | 461 | $250m | 17.0% |
| San Luis Obispo County | 563 | 442 | $252m | 11.0% |
| Merced County | 596 | 437 | $153m | 15.4% |
| Yolo County | 495 | 406 | $188m | 6.7% |
| Madera County | 523 | 390 | $146m | 12.9% |
| Nevada County | 413 | 320 | $141m | 8.7% |
| San Francisco County | 426 | 305 | $243m | 15.0% |
| Butte County | 348 | 261 | $90m | 13.2% |
| Yuba County | 333 | 253 | $95m | 11.7% |
| Kings County | 324 | 240 | $81m | 10.5% |
| Imperial County | 308 | 223 | $73m | 15.0% |
| Sutter County | 245 | 198 | $70m | 9.5% |
| Shasta County | 263 | 183 | $59m | 17.0% |
| Marin County | 242 | 180 | $118m | 14.2% |
| Calaveras County | 200 | 155 | $57m | 8.6% |
| Napa County | 194 | 152 | $97m | 11.4% |
| Santa Cruz County | 216 | 148 | $99m | 14.5% |
| Humboldt County | 196 | 139 | $47m | 15.0% |
| Lake County | 187 | 134 | $38m | 15.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in California in 2024?
55,408 loans totalling $29bn, from 76,071 applications reported for properties in California.
What is United Wholesale Mortgage's denial rate in California?
14.2% of decided applications in California were denied, against 24.8% 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 California counties does United Wholesale Mortgage lend in most?
By originations: Los Angeles County (8,810), San Diego County (6,661), Riverside County (6,085), San Bernardino County (4,267), Sacramento County (3,996).
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 California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.