Lenders › United Wholesale Mortgage › Washington
United Wholesale Mortgage in Washington
HMDA record for properties in Washington, calendar year 2024. National record · Washington 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.
In Washington, United Wholesale Mortgage reported 11,159 applications and 8,744 originations for 2024, $4.2bn in all.
Its denial rate in the state was 10.4%, below the Washington rate of 21.3% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Washington originations was 0.0 percentage points (state median 0.4).
Applications in the state were up 40% on 2023.
Compared with the state and the lender's national record
| Measure | In Washington | Washington, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.4% | 21.3% | 13.4% | 24.3% |
| Median rate spread, pp | 0.0 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.2% | 15.8% | 5.8% | 15.6% |
| Average originated loan | $480k | $440k | $382k | $329k |
| Home purchase share | 58.6% | 54.5% | 67.0% | 57.0% |
| FHA-insured share | 15.1% | 9.9% | 20.3% | 13.4% |
| VA-guaranteed share | 21.4% | 8.6% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWashington, all lenders
Loan purpose and loan type in Washington
By purpose
Home purchase 59% (5,128)Refinancing 24% (2,080)Cash-out refinancing 18% (1,536)
By type
Conventional 63% (5,538)FHA 15% (1,320)VA 21% (1,871)USDA 0% (15)
Denial reasons as coded
Share of 1,036 denials in Washington by first denial reason coded (outlined bar: all lenders in the state).
Counties in Washington
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| King County | 2,192 | 1,718 | $1.1bn | 10.9% |
| Pierce County | 1,663 | 1,276 | $596m | 11.5% |
| Snohomish County | 1,140 | 922 | $515m | 9.8% |
| Clark County | 1,009 | 818 | $380m | 7.6% |
| Spokane County | 905 | 715 | $269m | 9.2% |
| Thurston County | 672 | 528 | $234m | 8.4% |
| Benton County | 535 | 440 | $169m | 8.3% |
| Kitsap County | 504 | 401 | $188m | 8.6% |
| Whatcom County | 256 | 194 | $89m | 12.4% |
| Cowlitz County | 198 | 156 | $58m | 11.0% |
| Lewis County | 195 | 141 | $53m | 16.8% |
| Franklin County | 144 | 119 | $47m | 8.4% |
| Skagit County | 156 | 115 | $49m | 13.5% |
| Island County | 147 | 113 | $56m | 5.0% |
| Mason County | 149 | 111 | $40m | 13.6% |
| Yakima County | 150 | 107 | $33m | 13.2% |
| Grays Harbor County | 135 | 101 | $30m | 12.1% |
| Clallam County | 136 | 100 | $37m | 12.8% |
| Grant County | 98 | 77 | $26m | 16.1% |
| Chelan County | 87 | 68 | $34m | 11.5% |
| Whitman County | 68 | 57 | $18m | 7.8% |
| Stevens County | 68 | 55 | $20m | 11.3% |
| Douglas County | 63 | 55 | $21m | 5.2% |
| Kittitas County | 66 | 47 | $25m | 20.3% |
| Asotin County | 57 | 47 | $14m | 9.6% |
| Walla Walla County | 58 | 39 | $14m | 16.3% |
| Pacific County | 50 | 36 | $12m | 14.0% |
| Jefferson County | 40 | 32 | $15m | 13.5% |
| Klickitat County | 37 | 26 | $9.1m | 7.1% |
| Okanogan County | 35 | 23 | $6.4m | 20.7% |
| Skamania County | 27 | 23 | $11m | 11.5% |
| Pend Oreille County | 29 | 21 | $7.3m | 16.0% |
| Adams County | 32 | 20 | $6.0m | 25.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Washington in 2024?
8,744 loans totalling $4.2bn, from 11,159 applications reported for properties in Washington.
What is United Wholesale Mortgage's denial rate in Washington?
10.4% of decided applications in Washington were denied, against 21.3% 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 Washington counties does United Wholesale Mortgage lend in most?
By originations: King County (1,718), Pierce County (1,276), Snohomish County (922), Clark County (818), Spokane County (715).
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 Washington. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.