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United Wholesale Mortgage in Texas

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

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

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 Texas, United Wholesale Mortgage reported 46,252 applications and 34,808 originations for 2024, $13bn in all.

Its denial rate in the state was 12.2%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 13.4%.

The median rate spread on its Texas originations was 0.1 percentage points (state median 0.2).

Applications in the state were up 36% on 2023.

46,252applications in TX, 20249.4% of the lender's total
34,808loans originated$13bn
12.2%denial rateTX all lenders 26.0%
0.1 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersUnited Wholesale Mortgage, all statesUnited States
Denial rate12.2%26.0%13.4%24.3%
Median rate spread, pp0.10.20.20.3
Originations with spread of 1.5 pp or more2.9%11.8%5.8%15.6%
Average originated loan$362k$350k$382k$329k
Home purchase share73.6%72.8%67.0%57.0%
FHA-insured share17.0%19.8%20.3%13.4%
VA-guaranteed share13.5%10.4%14.6%7.9%

Trend by year

ApplicationsOriginations

023,12646,2522022: 31,897 Applications2023: 33,954 Applications2024: 46,252 Applications2022: 23,570 Originations2023: 25,505 Originations2024: 34,808 Originations202220232024
United Wholesale Mortgage in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%13.9%27.9%2022: 13.3% This lender in state2023: 12.8% This lender in state2024: 12.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 74% (25,636)Refinancing 19% (6,495)Cash-out refinancing 8% (2,677)

By type

Conventional 69% (24,158)FHA 17% (5,915)VA 13% (4,688)USDA 0% (47)

Denial reasons as coded

Debt-to-income ratio38.6%
Collateral26.8%
Insufficient cash (downpayment, closing costs)20.1%
Other8.2%
Credit history3.6%
Unverifiable information2.6%
Employment history0.1%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 4,926 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Harris County7,8335,740$1.9bn14.1%
Collin County3,3622,617$1.3bn9.9%
Tarrant County3,4052,605$898m12.1%
Dallas County3,1832,311$845m15.0%
Denton County2,6062,034$963m9.4%
Fort Bend County2,4701,848$720m12.7%
Bexar County2,4761,798$581m14.2%
Travis County1,8271,422$704m10.0%
Williamson County1,6101,254$544m8.8%
Montgomery County1,5801,185$445m10.9%
El Paso County1,169894$239m10.3%
Brazoria County752561$185m12.1%
Bell County670503$154m8.3%
Galveston County601450$146m10.4%
Ellis County497376$152m11.3%
Hidalgo County476354$93m14.7%
Nueces County450334$104m12.9%
Johnson County438326$114m12.1%
Kaufman County440316$103m17.8%
Parker County406316$135m11.8%
Brazos County380313$102m7.3%
Hays County388303$120m12.4%
Comal County396297$146m9.4%
Smith County378290$93m10.9%
Lubbock County335269$61m9.4%
Cameron County351260$66m12.8%
Guadalupe County324240$84m11.3%
Jefferson County324237$50m14.4%
McLennan County299227$67m11.8%
Grayson County292219$75m13.4%
Rockwall County278218$98m8.9%
Webb County258193$52m12.2%
Ector County235187$45m13.1%
Chambers County216177$63m8.6%
Hunt County235171$50m15.0%
Wise County207163$56m10.9%
Waller County219160$61m10.9%
Liberty County185142$40m13.2%
Midland County188141$48m12.9%
Gregg County176135$33m12.7%

Counties with at least 25 applications, by originations.

Questions and answers

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

34,808 loans totalling $13bn, from 46,252 applications reported for properties in Texas.

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

12.2% of decided applications in Texas were denied, against 26.0% 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 Texas counties does United Wholesale Mortgage lend in most?

By originations: Harris County (5,740), Collin County (2,617), Tarrant County (2,605), Dallas County (2,311), Denton County (2,034).

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