Lenders › United Wholesale Mortgage › Maryland
United Wholesale Mortgage in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland 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 Maryland covers 7,036 applications, 4,992 of them originated, worth $1.9bn.
Its denial rate in the state was 16.3%, below the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Maryland originations was 0.1 percentage points (state median 0.3).
Applications in the state were up 37% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.3% | 24.9% | 13.4% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.5% | 17.7% | 5.8% | 15.6% |
| Average originated loan | $390k | $348k | $382k | $329k |
| Home purchase share | 58.6% | 56.2% | 67.0% | 57.0% |
| FHA-insured share | 21.8% | 14.6% | 20.3% | 13.4% |
| VA-guaranteed share | 21.9% | 10.0% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 59% (2,927)Refinancing 22% (1,099)Cash-out refinancing 19% (966)
By type
Conventional 56% (2,803)FHA 22% (1,087)VA 22% (1,095)USDA 0% (7)
Denial reasons as coded
Share of 1,003 denials in Maryland by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Prince George's County | 1,543 | 1,008 | $386m | 20.9% |
| Anne Arundel County | 866 | 695 | $316m | 9.7% |
| Baltimore County | 918 | 655 | $213m | 16.1% |
| Montgomery County | 778 | 558 | $265m | 16.2% |
| Baltimore city | 595 | 378 | $88m | 22.8% |
| Charles County | 378 | 260 | $115m | 15.5% |
| Howard County | 317 | 234 | $115m | 11.6% |
| Frederick County | 311 | 228 | $98m | 12.5% |
| Harford County | 246 | 197 | $69m | 12.7% |
| Carroll County | 186 | 139 | $57m | 14.6% |
| Washington County | 156 | 121 | $36m | 13.5% |
| St. Mary's County | 128 | 98 | $40m | 8.1% |
| Calvert County | 120 | 94 | $42m | 10.8% |
| Queen Anne's County | 82 | 59 | $27m | 16.7% |
| Wicomico County | 75 | 44 | $9.6m | 25.8% |
| Cecil County | 71 | 42 | $14m | 19.3% |
| Worcester County | 52 | 35 | $13m | 23.9% |
| Talbot County | 38 | 31 | $11m | 11.4% |
| Dorchester County | 38 | 30 | $7.5m | 16.7% |
| Caroline County | 43 | 26 | $7.1m | 23.5% |
| Allegany County | 29 | 21 | $3.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Maryland in 2024?
4,992 loans totalling $1.9bn, from 7,036 applications reported for properties in Maryland.
What is United Wholesale Mortgage's denial rate in Maryland?
16.3% of decided applications in Maryland were denied, against 24.9% 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 Maryland counties does United Wholesale Mortgage lend in most?
By originations: Prince George's County (1,008), Anne Arundel County (695), Baltimore County (655), Montgomery County (558), Baltimore city (378).
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 Maryland. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.