Lender in Montana · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Montana
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Montana, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 1,198 owner-occupied single-family loans in Montana from 1,341 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $6,730 versus $6,560 for all Montana lenders, at a median 30-year fixed rate of 6.624% (Montana: 6.625%).
Loans in MT
1,198
of 1,341 applications
Denial rate
5.3%
Purchase · MT 7.7%
Rate spread
+0.14 pts
Conv. · MT +0.15 pts
Loan amount
$385,000
Purchase · MT $365,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 648 | 612 | 5.3% | 6.624% | +0.14 pts | $6,730 | $385,000 |
| Refinance | 442 | 387 | 7.2% | 6.125% | −0.06 pts | $5,950 | $415,000 |
| Cash-out refinance | 251 | 199 | 19.5% | 6.874% | +0.28 pts | $6,230 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Montana counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 43.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Flathead County | 1 | 305 | 21.0% |
| Ravalli County | 1 | 74 | 14.3% |
| Lake County | 1 | 40 | 15.0% |
| Hill County | 1 | 33 | 21.6% |
| Carbon County | 1 | 14 | 10.2% |
| Sanders County | 1 | 13 | 11.1% |
| Daniels County | 1 | 4 | 50.0% |
| Lincoln County | 2 | 31 | 12.4% |
| Custer County | 2 | 26 | 19.0% |
| Sweet Grass County | 2 | 6 | 20.0% |
| Phillips County | 2 | 5 | 16.1% |
| Sheridan County | 2 | 4 | 13.8% |
| Yellowstone County | 3 | 177 | 7.1% |
| Park County | 3 | 14 | 6.8% |
| Richland County | 3 | 12 | 11.0% |
| Valley County | 3 | 9 | 15.0% |
| Mineral County | 3 | 8 | 9.6% |
| Musselshell County | 3 | 4 | 8.7% |
| Gallatin County | 4 | 101 | 7.0% |
| Cascade County | 4 | 80 | 6.7% |
| Deer Lodge County | 4 | 12 | 9.1% |
| Pondera County | 4 | 5 | 10.6% |
| Teton County | 4 | 5 | 6.5% |
| Missoula County | 5 | 84 | 6.8% |
| Lewis and Clark County | 5 | 56 | 5.4% |
| Silver Bow County | 5 | 21 | 4.4% |
| Broadwater County | 5 | 11 | 6.9% |
| Madison County | 5 | 6 | 4.5% |
| Powell County | 5 | 3 | 5.8% |
| Rosebud County | 5 | 3 | 7.9% |
- United Wholesale Mortgage (UWM) nationwide
- Montana mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology