Lender Register

Lenders › United Wholesale Mortgage › North Carolina

United Wholesale Mortgage in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI 549300HW662MN1WU8550
Reporting agency Department of Housing and Urban Development
State North Carolina

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 North Carolina covers 13,870 applications, 10,318 of them originated, worth $3.5bn.

Its denial rate in the state was 12.0%, below the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 13.4%.

The median rate spread on its North Carolina originations was 0.0 percentage points (state median 0.2).

Applications in the state were up 38% on 2023.

13,870applications in NC, 20242.8% of the lender's total
10,318loans originated$3.5bn
12.0%denial rateNC all lenders 24.0%
0.0 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersUnited Wholesale Mortgage, all statesUnited States
Denial rate12.0%24.0%13.4%24.3%
Median rate spread, pp0.00.20.20.3
Originations with spread of 1.5 pp or more5.2%11.8%5.8%15.6%
Average originated loan$342k$299k$382k$329k
Home purchase share52.2%56.3%67.0%57.0%
FHA-insured share17.8%11.8%20.3%13.4%
VA-guaranteed share24.9%11.8%14.6%7.9%

Trend by year

ApplicationsOriginations

06,93513,8702022: 10,244 Applications2023: 10,031 Applications2024: 13,870 Applications2022: 8,058 Originations2023: 7,574 Originations2024: 10,318 Originations202220232024
United Wholesale Mortgage in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%12.3%24.6%2022: 9.6% This lender in state2023: 12.2% This lender in state2024: 12% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 52% (5,386)Refinancing 23% (2,422)Cash-out refinancing 24% (2,510)

By type

Conventional 57% (5,878)FHA 18% (1,841)VA 25% (2,565)USDA 0% (34)

Denial reasons as coded

Collateral35.4%
Debt-to-income ratio32.3%
Insufficient cash (downpayment, closing costs)18.5%
Other7.4%
Credit history4.4%
Unverifiable information1.7%
Employment history0.1%
Credit application incomplete0.1%
Mortgage insurance denied0%

Share of 1,442 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Mecklenburg County1,9671,489$558m12.2%
Wake County1,8331,449$650m8.8%
Cumberland County748547$140m10.9%
Cabarrus County579463$176m9.3%
Union County600445$192m12.4%
Gaston County486340$95m16.2%
Durham County420317$107m11.0%
Iredell County380285$106m13.9%
Onslow County388283$83m7.9%
Johnston County363272$82m13.0%
Guilford County371269$74m14.3%
Harnett County353259$79m10.2%
Brunswick County281220$76m8.6%
Forsyth County282193$51m19.3%
Buncombe County207163$63m6.7%
Catawba County211151$40m11.8%
Moore County194146$64m11.7%
New Hanover County203145$55m14.5%
Rowan County187137$35m14.3%
Alamance County172127$35m11.0%
Hoke County162124$35m7.0%
Wayne County140114$28m7.9%
Orange County134112$52m4.2%
Davidson County156109$26m13.3%
Cleveland County12291$22m15.5%
Lincoln County13989$28m19.5%
Franklin County11788$26m13.2%
Craven County13083$24m14.9%
Chatham County10082$36m8.7%
Pender County9976$29m9.2%
Randolph County10774$16m11.6%
Stanly County9874$21m11.4%
Henderson County10973$26m15.9%
Pitt County9671$17m17.0%
Lee County9371$22m10.1%
Caldwell County7362$15m8.8%
Sampson County7961$16m10.1%
Nash County7760$14m11.8%
Burke County7151$13m7.1%
Rutherford County6550$14m8.8%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did United Wholesale Mortgage originate in North Carolina in 2024?

10,318 loans totalling $3.5bn, from 13,870 applications reported for properties in North Carolina.

What is United Wholesale Mortgage's denial rate in North Carolina?

12.0% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does United Wholesale Mortgage lend in most?

By originations: Mecklenburg County (1,489), Wake County (1,449), Cumberland County (547), Cabarrus County (463), Union County (445).

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 North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.