Lenders › United Wholesale Mortgage › Florida
United Wholesale Mortgage in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida, United Wholesale Mortgage reported 68,016 applications and 47,648 originations for 2024, $17bn in all.
Its denial rate in the state was 18.0%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.0% | 29.0% | 13.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.3% | 16.4% | 5.8% | 15.6% |
| Average originated loan | $362k | $359k | $382k | $329k |
| Home purchase share | 75.4% | 62.9% | 67.0% | 57.0% |
| FHA-insured share | 26.0% | 17.7% | 20.3% | 13.4% |
| VA-guaranteed share | 12.9% | 9.5% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 75% (35,922)Refinancing 9% (4,394)Cash-out refinancing 15% (7,332)
By type
Conventional 61% (29,071)FHA 26% (12,403)VA 13% (6,128)USDA 0% (46)
Denial reasons as coded
Share of 10,644 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 7,812 | 5,044 | $2.3bn | 24.8% |
| Broward County | 7,333 | 4,825 | $2.0bn | 23.1% |
| Hillsborough County | 4,390 | 3,143 | $1.2bn | 15.6% |
| Palm Beach County | 4,402 | 3,051 | $1.2bn | 19.0% |
| Orange County | 3,834 | 2,669 | $981m | 18.5% |
| Lee County | 3,285 | 2,317 | $795m | 18.6% |
| Duval County | 3,149 | 2,296 | $680m | 13.6% |
| Polk County | 2,860 | 2,002 | $576m | 18.1% |
| Pinellas County | 2,559 | 1,783 | $658m | 17.4% |
| Pasco County | 2,335 | 1,747 | $547m | 13.3% |
| Brevard County | 2,169 | 1,614 | $518m | 13.2% |
| Volusia County | 1,816 | 1,325 | $396m | 13.7% |
| Osceola County | 1,885 | 1,315 | $446m | 19.3% |
| St. Lucie County | 1,755 | 1,230 | $421m | 18.0% |
| Marion County | 1,475 | 1,050 | $270m | 17.6% |
| Seminole County | 1,315 | 1,001 | $354m | 13.5% |
| St. Johns County | 1,168 | 903 | $394m | 11.2% |
| Lake County | 1,188 | 864 | $290m | 15.3% |
| Sarasota County | 1,194 | 814 | $293m | 18.3% |
| Manatee County | 1,102 | 773 | $313m | 17.2% |
| Hernando County | 970 | 720 | $201m | 13.4% |
| Clay County | 830 | 613 | $193m | 11.1% |
| Charlotte County | 827 | 591 | $187m | 17.0% |
| Collier County | 812 | 560 | $283m | 19.0% |
| Flagler County | 644 | 502 | $165m | 11.6% |
| Okaloosa County | 555 | 423 | $156m | 10.6% |
| Bay County | 588 | 398 | $126m | 19.0% |
| Citrus County | 503 | 365 | $90m | 13.1% |
| Escambia County | 556 | 364 | $113m | 16.9% |
| Santa Rosa County | 475 | 362 | $129m | 9.1% |
| Martin County | 406 | 302 | $124m | 11.5% |
| Alachua County | 372 | 270 | $77m | 17.6% |
| Indian River County | 370 | 264 | $85m | 16.9% |
| Nassau County | 301 | 240 | $91m | 7.5% |
| Sumter County | 267 | 206 | $63m | 10.3% |
| Monroe County | 298 | 205 | $142m | 20.5% |
| Leon County | 286 | 205 | $55m | 16.6% |
| Walton County | 297 | 204 | $109m | 20.8% |
| Highlands County | 243 | 173 | $41m | 14.7% |
| Putnam County | 189 | 117 | $26m | 18.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Florida in 2024?
47,648 loans totalling $17bn, from 68,016 applications reported for properties in Florida.
What is United Wholesale Mortgage's denial rate in Florida?
18.0% of decided applications in Florida were denied, against 29.0% 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 Florida counties does United Wholesale Mortgage lend in most?
By originations: Miami-Dade County (5,044), Broward County (4,825), Hillsborough County (3,143), Palm Beach County (3,051), Orange County (2,669).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.