Lenders › United Wholesale Mortgage › Michigan
United Wholesale Mortgage in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan 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 Michigan, United Wholesale Mortgage reported 23,815 applications and 18,328 originations for 2024, $4.5bn in all.
Its denial rate in the state was 12.6%, below the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Michigan originations was 0.4 percentage points (state median 0.5).
Applications in the state were up 27% on 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.6% | 23.9% | 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 | 7.7% | 18.4% | 5.8% | 15.6% |
| Average originated loan | $248k | $212k | $382k | $329k |
| Home purchase share | 69.9% | 51.2% | 67.0% | 57.0% |
| FHA-insured share | 15.3% | 10.0% | 20.3% | 13.4% |
| VA-guaranteed share | 7.0% | 4.5% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 70% (12,805)Refinancing 15% (2,695)Cash-out refinancing 15% (2,828)
By type
Conventional 77% (14,185)FHA 15% (2,810)VA 7% (1,287)USDA 0% (46)
Denial reasons as coded
Share of 2,678 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Wayne County | 6,219 | 4,597 | $916m | 15.5% |
| Oakland County | 4,840 | 3,875 | $1.2bn | 9.3% |
| Macomb County | 4,003 | 3,102 | $725m | 13.1% |
| Kent County | 960 | 773 | $208m | 9.2% |
| Genesee County | 735 | 565 | $119m | 11.8% |
| Livingston County | 485 | 400 | $136m | 8.0% |
| Washtenaw County | 488 | 379 | $122m | 12.5% |
| Ingham County | 374 | 300 | $63m | 12.0% |
| Ottawa County | 355 | 288 | $92m | 10.7% |
| St. Clair County | 353 | 267 | $60m | 12.2% |
| Muskegon County | 297 | 231 | $51m | 13.7% |
| Grand Traverse County | 265 | 228 | $83m | 7.7% |
| Kalamazoo County | 288 | 213 | $51m | 13.3% |
| Monroe County | 256 | 195 | $44m | 11.8% |
| Lapeer County | 214 | 172 | $44m | 10.3% |
| Saginaw County | 225 | 165 | $30m | 13.1% |
| Jackson County | 213 | 161 | $34m | 16.1% |
| Midland County | 149 | 126 | $28m | 7.8% |
| Calhoun County | 155 | 113 | $23m | 14.0% |
| Bay County | 140 | 113 | $18m | 9.4% |
| Allegan County | 151 | 108 | $31m | 13.1% |
| Eaton County | 145 | 104 | $23m | 14.2% |
| Berrien County | 125 | 88 | $23m | 18.5% |
| Shiawassee County | 99 | 82 | $16m | 5.6% |
| Van Buren County | 106 | 74 | $16m | 15.6% |
| Montcalm County | 103 | 74 | $15m | 19.4% |
| Clinton County | 82 | 66 | $16m | 10.7% |
| Lenawee County | 91 | 64 | $13m | 11.4% |
| Ionia County | 83 | 61 | $14m | 14.1% |
| Barry County | 79 | 59 | $15m | 13.0% |
| Sanilac County | 69 | 53 | $9.8m | 11.7% |
| Tuscola County | 69 | 53 | $9.1m | 13.1% |
| Iosco County | 76 | 52 | $8.4m | 21.2% |
| Antrim County | 64 | 52 | $17m | 5.5% |
| Gladwin County | 74 | 51 | $9.4m | 16.4% |
| Roscommon County | 63 | 49 | $9.3m | 9.1% |
| Kalkaska County | 57 | 46 | $11m | 8.0% |
| Newaygo County | 64 | 44 | $11m | 18.5% |
| Charlevoix County | 54 | 43 | $15m | 14.0% |
| Otsego County | 54 | 40 | $8.7m | 14.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Michigan in 2024?
18,328 loans totalling $4.5bn, from 23,815 applications reported for properties in Michigan.
What is United Wholesale Mortgage's denial rate in Michigan?
12.6% of decided applications in Michigan were denied, against 23.9% 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 Michigan counties does United Wholesale Mortgage lend in most?
By originations: Wayne County (4,597), Oakland County (3,875), Macomb County (3,102), Kent County (773), Genesee County (565).
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 Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.