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United Wholesale Mortgage in Ohio

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

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

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 Ohio covers 10,591 applications, 7,840 of them originated, worth $1.9bn.

Its denial rate in the state was 13.8%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 13.4%.

The median rate spread on its Ohio originations was 0.3 percentage points (state median 0.5).

Applications in the state were up 44% on 2023.

10,591applications in OH, 20242.2% of the lender's total
7,840loans originated$1.9bn
13.8%denial rateOH all lenders 23.5%
0.3 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersUnited Wholesale Mortgage, all statesUnited States
Denial rate13.8%23.5%13.4%24.3%
Median rate spread, pp0.30.50.20.3
Originations with spread of 1.5 pp or more6.6%17.7%5.8%15.6%
Average originated loan$240k$218k$382k$329k
Home purchase share64.6%51.7%67.0%57.0%
FHA-insured share19.8%12.3%20.3%13.4%
VA-guaranteed share13.6%5.9%14.6%7.9%

Trend by year

ApplicationsOriginations

05295.510,5912022: 6,624 Applications2023: 7,342 Applications2024: 10,591 Applications2022: 5,052 Originations2023: 5,521 Originations2024: 7,840 Originations202220232024
United Wholesale Mortgage in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%12%24%2022: 12.3% This lender in state2023: 13% This lender in state2024: 13.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 65% (5,067)Refinancing 16% (1,229)Cash-out refinancing 20% (1,544)

By type

Conventional 66% (5,207)FHA 20% (1,550)VA 14% (1,065)USDA 0% (18)

Denial reasons as coded

Collateral39.3%
Debt-to-income ratio28%
Insufficient cash (downpayment, closing costs)18.7%
Other7.6%
Credit history4.8%
Unverifiable information1.6%
Employment history0.2%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 1,284 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Franklin County1,3761,040$290m13.5%
Cuyahoga County1,307947$167m16.3%
Hamilton County1,085829$210m12.0%
Butler County584459$114m11.4%
Montgomery County502353$71m17.5%
Lorain County357296$62m8.5%
Warren County366286$99m10.8%
Summit County391281$57m15.2%
Lucas County407275$47m19.2%
Clermont County314248$70m6.6%
Mahoning County266221$42m9.7%
Delaware County252177$69m11.3%
Fairfield County215163$52m12.1%
Licking County201150$45m11.0%
Greene County169129$35m13.2%
Lake County158126$28m9.2%
Stark County175122$26m19.6%
Medina County135105$30m14.5%
Trumbull County13493$16m14.8%
Portage County11184$19m17.3%
Wood County10083$22m4.6%
Miami County8367$18m10.5%
Union County11766$20m13.9%
Clark County8665$13m15.2%
Pickaway County8661$15m7.4%
Muskingum County7458$13m9.2%
Ashtabula County7152$9.2m14.3%
Geauga County6251$17m7.3%
Knox County6245$10m14.5%
Fayette County4638$7.6m7.3%
Richland County5636$8.1m14.0%
Logan County5035$7.6m18.6%
Columbiana County5033$4.9m19.5%
Ross County4733$7.9m17.5%
Champaign County4231$6.8m8.1%
Preble County4630$5.6m16.2%
Clinton County4530$6.8m23.1%
Erie County4229$6.6m18.9%
Madison County3826$7.7m16.1%
Brown County4225$5.4m26.5%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did United Wholesale Mortgage originate in Ohio in 2024?

7,840 loans totalling $1.9bn, from 10,591 applications reported for properties in Ohio.

What is United Wholesale Mortgage's denial rate in Ohio?

13.8% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does United Wholesale Mortgage lend in most?

By originations: Franklin County (1,040), Cuyahoga County (947), Hamilton County (829), Butler County (459), Montgomery County (353).

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