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United Wholesale Mortgage in Tennessee

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

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

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 Tennessee, United Wholesale Mortgage reported 10,027 applications and 7,495 originations for 2024, $2.6bn in all.

Its denial rate in the state was 12.6%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 13.4%.

The median rate spread on its Tennessee originations was 0.1 percentage points (state median 0.3).

Applications in the state were up 44% on 2023.

10,027applications in TN, 20242.0% of the lender's total
7,495loans originated$2.6bn
12.6%denial rateTN all lenders 22.6%
0.1 ppmedian rate spreadTN 0.3 pp

Compared with the state and the lender's national record

MeasureIn TennesseeTennessee, all lendersUnited Wholesale Mortgage, all statesUnited States
Denial rate12.6%22.6%13.4%24.3%
Median rate spread, pp0.10.30.20.3
Originations with spread of 1.5 pp or more2.3%14.7%5.8%15.6%
Average originated loan$350k$302k$382k$329k
Home purchase share59.7%55.5%67.0%57.0%
FHA-insured share25.4%15.5%20.3%13.4%
VA-guaranteed share24.1%10.0%14.6%7.9%

Trend by year

ApplicationsOriginations

05013.510,0272022: 6,698 Applications2023: 6,979 Applications2024: 10,027 Applications2022: 5,053 Originations2023: 5,199 Originations2024: 7,495 Originations202220232024
United Wholesale Mortgage in Tennessee: applications and originations, 2022–2024

This lender in stateTennessee, all lenders

0%11.8%23.5%2022: 11.8% This lender in state2023: 12.4% This lender in state2024: 12.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Tennessee

By purpose

Home purchase 60% (4,472)Refinancing 20% (1,516)Cash-out refinancing 20% (1,507)

By type

Conventional 50% (3,729)FHA 25% (1,903)VA 24% (1,805)USDA 1% (58)

Denial reasons as coded

Debt-to-income ratio35.5%
Collateral27.4%
Insufficient cash (downpayment, closing costs)22%
Other7.8%
Credit history4.5%
Unverifiable information2.8%
Employment history0%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 1,109 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).

Counties in Tennessee

CountyApplicationsOriginationsAmountDenial rate
Davidson County1,020766$308m15.0%
Knox County790614$212m10.2%
Montgomery County652500$159m8.5%
Shelby County692476$127m16.9%
Rutherford County598453$176m15.0%
Sumner County535442$164m8.8%
Williamson County421338$228m9.8%
Wilson County354279$122m9.9%
Hamilton County366264$89m12.5%
Blount County274200$68m15.4%
Sevier County264176$89m21.9%
Robertson County231175$63m13.2%
Sullivan County212157$38m10.1%
Maury County199153$57m9.8%
Washington County147110$36m10.9%
McMinn County132100$25m9.8%
Anderson County13497$28m12.5%
Greene County13297$26m12.3%
Cheatham County12397$34m10.0%
Bradley County13895$29m15.0%
Dickson County10788$26m5.3%
Putnam County11083$27m14.3%
Monroe County10281$23m7.7%
Roane County10074$25m6.3%
Hawkins County9567$18m11.5%
Jefferson County8066$20m13.2%
Lincoln County8562$16m16.0%
Hamblen County8759$17m15.3%
Loudon County8459$23m14.1%
Madison County8257$14m18.7%
Rhea County6755$14m8.3%
Coffee County6550$15m13.8%
Marshall County6849$17m9.3%
Bedford County6749$15m10.9%
Carter County5544$11m10.2%
Cumberland County5442$13m8.7%
Macon County5142$10m4.4%
DeKalb County4840$11m4.8%
Hickman County5339$11m20.4%
White County5337$11m11.9%

Counties with at least 25 applications, by originations.

Questions and answers

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

7,495 loans totalling $2.6bn, from 10,027 applications reported for properties in Tennessee.

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

12.6% of decided applications in Tennessee were denied, against 22.6% 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 Tennessee counties does United Wholesale Mortgage lend in most?

By originations: Davidson County (766), Knox County (614), Montgomery County (500), Shelby County (476), Rutherford County (453).

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