Lenders › United Wholesale Mortgage › Virginia
United Wholesale Mortgage in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia 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 Virginia covers 10,563 applications, 7,798 of them originated, worth $3.0bn.
Its denial rate in the state was 12.4%, below the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Virginia originations was -0.0 percentage points (state median 0.3).
Applications in the state were up 42% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.4% | 22.1% | 13.4% | 24.3% |
| Median rate spread, pp | -0.0 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.5% | 16.5% | 5.8% | 15.6% |
| Average originated loan | $381k | $352k | $382k | $329k |
| Home purchase share | 54.2% | 55.8% | 67.0% | 57.0% |
| FHA-insured share | 19.0% | 11.7% | 20.3% | 13.4% |
| VA-guaranteed share | 32.7% | 16.4% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 54% (4,226)Refinancing 25% (1,913)Cash-out refinancing 21% (1,659)
By type
Conventional 48% (3,728)FHA 19% (1,481)VA 33% (2,553)USDA 0% (36)
Denial reasons as coded
Share of 1,142 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fairfax County | 1,057 | 770 | $451m | 12.3% |
| Virginia Beach city | 732 | 557 | $192m | 11.8% |
| Prince William County | 702 | 531 | $256m | 11.5% |
| Chesterfield County | 608 | 457 | $161m | 12.2% |
| Chesapeake city | 514 | 373 | $141m | 10.9% |
| Loudoun County | 456 | 345 | $208m | 11.1% |
| Henrico County | 435 | 325 | $115m | 13.5% |
| Norfolk city | 444 | 322 | $97m | 8.9% |
| Stafford County | 336 | 253 | $124m | 13.2% |
| Newport News city | 290 | 210 | $58m | 14.2% |
| Hampton city | 281 | 200 | $54m | 13.2% |
| Suffolk city | 246 | 182 | $63m | 13.2% |
| Portsmouth city | 240 | 178 | $45m | 11.6% |
| Spotsylvania County | 262 | 177 | $73m | 16.2% |
| Richmond city | 217 | 162 | $50m | 12.6% |
| Hanover County | 133 | 108 | $43m | 6.0% |
| Frederick County | 137 | 104 | $35m | 15.7% |
| Roanoke County | 118 | 95 | $27m | 10.2% |
| Albemarle County | 110 | 84 | $33m | 7.6% |
| Bedford County | 106 | 82 | $25m | 9.6% |
| Roanoke city | 107 | 75 | $15m | 17.6% |
| Lynchburg city | 91 | 74 | $18m | 10.8% |
| Arlington County | 103 | 67 | $33m | 19.5% |
| Caroline County | 84 | 67 | $20m | 11.4% |
| Fauquier County | 87 | 62 | $29m | 20.3% |
| York County | 78 | 62 | $24m | 11.3% |
| Montgomery County | 71 | 60 | $19m | 3.1% |
| Louisa County | 76 | 57 | $20m | 14.9% |
| James City County | 73 | 56 | $22m | 9.1% |
| Alexandria city | 72 | 54 | $28m | 11.1% |
| Culpeper County | 66 | 51 | $24m | 12.1% |
| Manassas city | 63 | 51 | $21m | 5.3% |
| Orange County | 65 | 48 | $19m | 18.3% |
| Campbell County | 63 | 47 | $12m | 16.1% |
| Rockingham County | 61 | 47 | $13m | 9.6% |
| Petersburg city | 67 | 46 | $7.9m | 19.3% |
| Westmoreland County | 57 | 45 | $14m | 2.1% |
| Warren County | 61 | 44 | $15m | 8.0% |
| King George County | 61 | 42 | $17m | 11.5% |
| Franklin County | 53 | 39 | $11m | 13.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Virginia in 2024?
7,798 loans totalling $3.0bn, from 10,563 applications reported for properties in Virginia.
What is United Wholesale Mortgage's denial rate in Virginia?
12.4% of decided applications in Virginia were denied, against 22.1% 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 Virginia counties does United Wholesale Mortgage lend in most?
By originations: Fairfax County (770), Virginia Beach city (557), Prince William County (531), Chesterfield County (457), Chesapeake city (373).
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 Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.