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United Wholesale Mortgage in Pennsylvania

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

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

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 Pennsylvania covers 10,519 applications, 7,776 of them originated, worth $2.1bn.

Its denial rate in the state was 13.7%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 13.4%.

The median rate spread on its Pennsylvania originations was 0.2 percentage points (state median 0.3).

Applications in the state were up 19% on 2023.

10,519applications in PA, 20242.1% of the lender's total
7,776loans originated$2.1bn
13.7%denial ratePA all lenders 24.2%
0.2 ppmedian rate spreadPA 0.3 pp

Compared with the state and the lender's national record

MeasureIn PennsylvaniaPennsylvania, all lendersUnited Wholesale Mortgage, all statesUnited States
Denial rate13.7%24.2%13.4%24.3%
Median rate spread, pp0.20.30.20.3
Originations with spread of 1.5 pp or more6.1%14.1%5.8%15.6%
Average originated loan$268k$226k$382k$329k
Home purchase share66.5%48.7%67.0%57.0%
FHA-insured share17.5%9.8%20.3%13.4%
VA-guaranteed share11.8%4.0%14.6%7.9%

Trend by year

ApplicationsOriginations

05259.510,5192022: 8,720 Applications2023: 8,813 Applications2024: 10,519 Applications2022: 6,910 Originations2023: 6,829 Originations2024: 7,776 Originations202220232024
United Wholesale Mortgage in Pennsylvania: applications and originations, 2022–2024

This lender in statePennsylvania, all lenders

0%12.4%24.9%2022: 9.8% This lender in state2023: 11.5% This lender in state2024: 13.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Pennsylvania

By purpose

Home purchase 66% (5,168)Refinancing 15% (1,137)Cash-out refinancing 19% (1,471)

By type

Conventional 70% (5,473)FHA 17% (1,358)VA 12% (917)USDA 0% (28)

Denial reasons as coded

Collateral39%
Debt-to-income ratio28.2%
Insufficient cash (downpayment, closing costs)19.2%
Other6.7%
Credit history5.2%
Unverifiable information1.4%
Employment history0.2%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 1,264 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).

Counties in Pennsylvania

CountyApplicationsOriginationsAmountDenial rate
Allegheny County1,298974$219m12.6%
Philadelphia County1,194801$197m19.2%
Montgomery County660503$195m9.6%
Chester County510422$179m8.0%
Delaware County496371$110m12.9%
Bucks County467348$134m12.0%
Erie County383316$60m10.4%
Lehigh County414302$98m14.5%
Berks County361253$62m15.9%
Dauphin County302232$52m13.6%
Northampton County329230$76m18.2%
York County333229$62m14.5%
Butler County265218$57m10.2%
Westmoreland County271215$46m9.5%
Monroe County314202$53m20.6%
Lancaster County248183$51m15.3%
Cumberland County231182$51m10.6%
Luzerne County226153$31m18.8%
Beaver County186152$28m6.1%
Washington County196148$41m9.5%
Centre County148123$36m8.7%
Lackawanna County149103$23m19.5%
Franklin County11682$22m18.3%
Carbon County10881$17m15.5%
Pike County10273$18m18.5%
Schuylkill County10670$13m19.5%
Lawrence County7963$10m5.9%
Mercer County7163$11m3.0%
Lebanon County7555$15m12.5%
Perry County6251$10m10.3%
Wayne County5943$12m17.3%
Adams County5542$12m12.0%
Lycoming County5841$8.2m10.6%
Fayette County6040$7.0m22.6%
Blair County3730$5.3m14.3%
Crawford County4029$4.7m14.7%
Armstrong County3829$4.6m12.1%
Clearfield County3425$3.8m13.8%
Indiana County3623$4.0m17.9%
Cambria County3123$3.0m14.3%

Counties with at least 25 applications, by originations.

Questions and answers

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

7,776 loans totalling $2.1bn, from 10,519 applications reported for properties in Pennsylvania.

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

13.7% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does United Wholesale Mortgage lend in most?

By originations: Allegheny County (974), Philadelphia County (801), Montgomery County (503), Chester County (422), Delaware County (371).

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