Lenders › United Wholesale Mortgage › Iowa
United Wholesale Mortgage in Iowa
HMDA record for properties in Iowa, calendar year 2024. National record · Iowa 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 Iowa, United Wholesale Mortgage reported 1,177 applications and 906 originations for 2024, $210m in all.
Its denial rate in the state was 10.5%, below the Iowa rate of 15.9% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Iowa originations was 0.2 percentage points (state median 0.2).
Applications in the state were up 44% on 2023.
Compared with the state and the lender's national record
| Measure | In Iowa | Iowa, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.5% | 15.9% | 13.4% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.4% | 15.6% | 5.8% | 15.6% |
| Average originated loan | $232k | $187k | $382k | $329k |
| Home purchase share | 65.8% | 57.7% | 67.0% | 57.0% |
| FHA-insured share | 24.1% | 8.2% | 20.3% | 13.4% |
| VA-guaranteed share | 24.9% | 5.2% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIowa, all lenders
Loan purpose and loan type in Iowa
By purpose
Home purchase 66% (596)Refinancing 21% (191)Cash-out refinancing 13% (119)
By type
Conventional 50% (456)FHA 24% (218)VA 25% (226)USDA 1% (6)
Denial reasons as coded
Share of 108 denials in Iowa by first denial reason coded (outlined bar: all lenders in the state).
Counties in Iowa
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Linn County | 244 | 202 | $41m | 6.8% |
| Polk County | 254 | 198 | $50m | 8.1% |
| Dallas County | 77 | 59 | $21m | 10.6% |
| Scott County | 74 | 57 | $14m | 6.6% |
| Warren County | 46 | 39 | $11m | 4.9% |
| Black Hawk County | 34 | 26 | $4.2m | 18.8% |
| Pottawattamie County | 37 | 25 | $6.2m | 3.7% |
| Benton County | 27 | 21 | $3.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Iowa in 2024?
906 loans totalling $210m, from 1,177 applications reported for properties in Iowa.
What is United Wholesale Mortgage's denial rate in Iowa?
10.5% of decided applications in Iowa were denied, against 15.9% 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 Iowa counties does United Wholesale Mortgage lend in most?
By originations: Linn County (202), Polk County (198), Dallas County (59), Scott County (57), Warren County (39).
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 Iowa. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.