Lenders › United Wholesale Mortgage › Illinois
United Wholesale Mortgage in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois 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 Illinois covers 12,092 applications, 8,956 of them originated, worth $2.7bn.
Its denial rate in the state was 14.3%, below the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Illinois originations was 0.4 percentage points (state median 0.5).
Applications in the state were up 31% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.3% | 23.3% | 13.4% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.2% | 15.4% | 5.8% | 15.6% |
| Average originated loan | $299k | $273k | $382k | $329k |
| Home purchase share | 67.2% | 61.1% | 67.0% | 57.0% |
| FHA-insured share | 17.0% | 10.7% | 20.3% | 13.4% |
| VA-guaranteed share | 9.3% | 4.9% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 67% (6,018)Refinancing 19% (1,676)Cash-out refinancing 14% (1,262)
By type
Conventional 74% (6,586)FHA 17% (1,525)VA 9% (834)USDA 0% (11)
Denial reasons as coded
Share of 1,531 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cook County | 5,576 | 3,971 | $1.2bn | 16.4% |
| DuPage County | 1,091 | 881 | $318m | 10.0% |
| Will County | 973 | 741 | $257m | 13.5% |
| Lake County | 853 | 656 | $228m | 11.2% |
| Kane County | 647 | 499 | $163m | 12.4% |
| McHenry County | 455 | 365 | $111m | 10.1% |
| St. Clair County | 412 | 320 | $77m | 12.1% |
| Madison County | 287 | 225 | $48m | 9.0% |
| Peoria County | 269 | 193 | $27m | 19.6% |
| Kendall County | 217 | 157 | $51m | 15.4% |
| Winnebago County | 178 | 128 | $23m | 16.5% |
| Tazewell County | 126 | 108 | $20m | 9.8% |
| DeKalb County | 88 | 69 | $15m | 12.5% |
| McLean County | 64 | 54 | $11m | 9.8% |
| Kankakee County | 70 | 48 | $11m | 20.6% |
| Champaign County | 54 | 40 | $9.6m | 10.6% |
| Sangamon County | 48 | 36 | $7.3m | 9.3% |
| Boone County | 39 | 32 | $6.0m | 8.3% |
| Grundy County | 34 | 30 | $8.9m | 6.3% |
| Rock Island County | 58 | 28 | $5.2m | 33.3% |
| Williamson County | 33 | 20 | $4.4m | 20.0% |
| Macon County | 28 | 15 | $2.3m | — |
| Monroe County | 26 | 15 | $3.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Illinois in 2024?
8,956 loans totalling $2.7bn, from 12,092 applications reported for properties in Illinois.
What is United Wholesale Mortgage's denial rate in Illinois?
14.3% of decided applications in Illinois were denied, against 23.3% 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 Illinois counties does United Wholesale Mortgage lend in most?
By originations: Cook County (3,971), DuPage County (881), Will County (741), Lake County (656), Kane County (499).
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 Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.