Lenders › United Wholesale Mortgage › Missouri
United Wholesale Mortgage in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, United Wholesale Mortgage reported 5,556 applications and 4,397 originations for 2024, $1.2bn in all.
Its denial rate in the state was 9.4%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Missouri originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.4% | 19.9% | 13.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.5% | 14.1% | 5.8% | 15.6% |
| Average originated loan | $262k | $231k | $382k | $329k |
| Home purchase share | 67.5% | 58.6% | 67.0% | 57.0% |
| FHA-insured share | 15.7% | 12.8% | 20.3% | 13.4% |
| VA-guaranteed share | 13.7% | 8.2% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 67% (2,967)Refinancing 20% (881)Cash-out refinancing 12% (549)
By type
Conventional 70% (3,081)FHA 16% (690)VA 14% (601)USDA 1% (25)
Denial reasons as coded
Share of 464 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,151 | 913 | $223m | 9.3% |
| Jackson County | 783 | 600 | $153m | 12.8% |
| St. Charles County | 573 | 474 | $163m | 6.6% |
| Jefferson County | 331 | 268 | $72m | 8.5% |
| Clay County | 328 | 266 | $77m | 8.4% |
| Greene County | 266 | 218 | $52m | 7.2% |
| St. Louis city | 236 | 188 | $39m | 9.0% |
| Cole County | 142 | 121 | $29m | 6.9% |
| Platte County | 135 | 114 | $36m | 10.2% |
| Boone County | 101 | 86 | $27m | 7.4% |
| Christian County | 100 | 84 | $22m | 3.3% |
| Cass County | 94 | 82 | $27m | 3.5% |
| Jasper County | 79 | 64 | $13m | 8.5% |
| Franklin County | 79 | 57 | $14m | 16.2% |
| Lincoln County | 70 | 46 | $11m | 11.1% |
| Warren County | 52 | 45 | $16m | 8.2% |
| Buchanan County | 65 | 44 | $6.4m | 11.5% |
| Webster County | 51 | 39 | $7.5m | 7.1% |
| Johnson County | 48 | 37 | $10.0m | 5.1% |
| Camden County | 47 | 32 | $12m | 10.8% |
| Callaway County | 37 | 31 | $7.1m | 6.1% |
| St. Francois County | 40 | 30 | $6.5m | 18.9% |
| Lafayette County | 34 | 29 | $8.2m | 3.3% |
| Bates County | 32 | 27 | $6.1m | 9.7% |
| Taney County | 32 | 22 | $7.3m | 24.1% |
| Stone County | 29 | 22 | $6.4m | 18.5% |
| Ray County | 28 | 21 | $4.9m | 15.4% |
| Henry County | 27 | 21 | $4.9m | — |
| Polk County | 26 | 20 | $4.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Missouri in 2024?
4,397 loans totalling $1.2bn, from 5,556 applications reported for properties in Missouri.
What is United Wholesale Mortgage's denial rate in Missouri?
9.4% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does United Wholesale Mortgage lend in most?
By originations: St. Louis County (913), Jackson County (600), St. Charles County (474), Jefferson County (268), Clay County (266).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.