Lenders › United Wholesale Mortgage › New York
United Wholesale Mortgage in New York
HMDA record for properties in New York, calendar year 2024. National record · New York 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 New York covers 14,594 applications, 10,994 of them originated, worth $5.1bn.
Its denial rate in the state was 13.4%, below the New York rate of 25.4% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its New York originations was 0.2 percentage points (state median 0.3).
Applications in the state were up 14% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.4% | 25.4% | 13.4% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.1% | 15.0% | 5.8% | 15.6% |
| Average originated loan | $467k | $446k | $382k | $329k |
| Home purchase share | 83.7% | 55.3% | 67.0% | 57.0% |
| FHA-insured share | 15.1% | 7.4% | 20.3% | 13.4% |
| VA-guaranteed share | 2.2% | 2.4% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 84% (9,198)Refinancing 4% (460)Cash-out refinancing 12% (1,336)
By type
Conventional 83% (9,084)FHA 15% (1,658)VA 2% (240)USDA 0% (12)
Denial reasons as coded
Share of 1,741 denials in New York by first denial reason coded (outlined bar: all lenders in the state).
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Suffolk County | 1,989 | 1,560 | $829m | 10.3% |
| Erie County | 1,549 | 1,364 | $329m | 5.4% |
| Queens County | 1,885 | 1,244 | $781m | 20.2% |
| Nassau County | 1,517 | 1,120 | $660m | 13.5% |
| Kings County | 1,171 | 783 | $634m | 19.5% |
| Orange County | 778 | 620 | $243m | 12.7% |
| Westchester County | 839 | 603 | $316m | 15.4% |
| Rockland County | 666 | 514 | $297m | 14.4% |
| Richmond County | 627 | 470 | $241m | 12.9% |
| Niagara County | 320 | 284 | $59m | 5.9% |
| Bronx County | 364 | 226 | $131m | 23.4% |
| Dutchess County | 275 | 216 | $80m | 15.6% |
| Albany County | 268 | 199 | $56m | 11.4% |
| Schenectady County | 231 | 175 | $44m | 9.6% |
| Saratoga County | 199 | 164 | $52m | 7.8% |
| Monroe County | 211 | 152 | $29m | 16.6% |
| Sullivan County | 184 | 134 | $40m | 14.2% |
| Rensselaer County | 134 | 109 | $26m | 6.7% |
| Putnam County | 135 | 103 | $42m | 11.7% |
| Washington County | 104 | 92 | $18m | 4.2% |
| Chautauqua County | 105 | 86 | $13m | 9.2% |
| Onondaga County | 104 | 85 | $15m | 7.6% |
| Ulster County | 97 | 83 | $29m | 8.8% |
| New York County | 130 | 73 | $51m | 30.6% |
| Cattaraugus County | 84 | 68 | $13m | 10.5% |
| Warren County | 60 | 48 | $13m | 5.8% |
| Broome County | 63 | 45 | $7.5m | 16.4% |
| Wyoming County | 34 | 30 | $5.8m | 9.1% |
| Montgomery County | 43 | 29 | $5.6m | 11.8% |
| Oneida County | 33 | 27 | $4.9m | 3.6% |
| Columbia County | 29 | 23 | $8.2m | — |
| Oswego County | 25 | 22 | $4.0m | — |
| Fulton County | 30 | 20 | $4.3m | 20.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in New York in 2024?
10,994 loans totalling $5.1bn, from 14,594 applications reported for properties in New York.
What is United Wholesale Mortgage's denial rate in New York?
13.4% of decided applications in New York were denied, against 25.4% 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 New York counties does United Wholesale Mortgage lend in most?
By originations: Suffolk County (1,560), Erie County (1,364), Queens County (1,244), Nassau County (1,120), Kings County (783).
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 New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.