Lender in Florida · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Florida
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 41,793 owner-occupied single-family loans in Florida from 51,000 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $8,630 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.624% (Florida: 6.625%).
Loans in FL
41,793
of 51,000 applications
Denial rate
12.6%
Purchase · FL 12.8%
Rate spread
+0.24 pts
Conv. · FL +0.14 pts
Loan amount
$345,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 34,978 | 30,269 | 12.6% | 6.624% | +0.24 pts | $8,630 | $345,000 |
| Refinance | 8,759 | 6,457 | 20.9% | 6.020% | −0.06 pts | $8,730 | $385,000 |
| Cash-out refinance | 7,263 | 5,067 | 28.3% | 6.750% | +0.35 pts | $8,840 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 67.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Broward County | 1 | 3,909 | 21.9% |
| Miami-Dade County | 1 | 3,798 | 21.2% |
| Hillsborough County | 1 | 2,856 | 15.6% |
| Palm Beach County | 1 | 2,708 | 17.0% |
| Orange County | 1 | 2,663 | 18.0% |
| Lee County | 1 | 2,001 | 14.4% |
| Duval County | 1 | 1,972 | 14.6% |
| Pasco County | 1 | 1,593 | 12.8% |
| Polk County | 1 | 1,579 | 12.2% |
| Brevard County | 1 | 1,569 | 14.1% |
| Pinellas County | 1 | 1,566 | 14.7% |
| Volusia County | 1 | 1,278 | 14.8% |
| St. Lucie County | 1 | 1,151 | 16.9% |
| Osceola County | 1 | 1,013 | 14.3% |
| Seminole County | 1 | 971 | 16.9% |
| Marion County | 1 | 952 | 11.8% |
| Lake County | 1 | 873 | 11.6% |
| St. Johns County | 1 | 844 | 11.7% |
| Sarasota County | 1 | 793 | 11.3% |
| Hernando County | 1 | 701 | 15.6% |
| Clay County | 1 | 545 | 14.0% |
| Charlotte County | 1 | 529 | 12.2% |
| Flagler County | 1 | 498 | 17.2% |
| Collier County | 1 | 447 | 10.0% |
| Okaloosa County | 1 | 435 | 11.4% |
| Citrus County | 1 | 339 | 11.5% |
| Martin County | 1 | 292 | 13.7% |
| Indian River County | 1 | 283 | 11.4% |
| Nassau County | 1 | 182 | 10.6% |
| Highlands County | 1 | 157 | 11.2% |
- United Wholesale Mortgage (UWM) nationwide
- Florida mortgage market
- United Wholesale Mortgage (UWM) in California
- United Wholesale Mortgage (UWM) in Texas
- United Wholesale Mortgage (UWM) in Michigan
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- United Wholesale Mortgage (UWM) in Arizona
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- United Wholesale Mortgage (UWM) in North Carolina
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology