Lender in New York · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in New York
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 9,549 owner-occupied single-family loans in New York from 10,924 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $9,990 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.499% (New York: 6.50%).
Loans in NY
9,549
of 10,924 applications
Denial rate
9.6%
Purchase · NY 9.5%
Rate spread
+0.06 pts
Conv. · NY +0.07 pts
Loan amount
$445,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 9,185 | 8,168 | 9.6% | 6.499% | +0.06 pts | $9,990 | $445,000 |
| Refinance | 800 | 639 | 17.9% | 5.999% | −0.16 pts | $11,230 | $465,000 |
| Cash-out refinance | 939 | 742 | 19.2% | 6.624% | +0.20 pts | $10,710 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 56.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Suffolk County | 1 | 1,557 | 11.3% |
| Erie County | 1 | 1,453 | 15.5% |
| Nassau County | 1 | 1,049 | 10.0% |
| Richmond County | 1 | 386 | 11.7% |
| Orange County | 1 | 338 | 9.6% |
| Rockland County | 1 | 246 | 10.4% |
| Queens County | 2 | 1,120 | 12.9% |
| Westchester County | 2 | 587 | 7.9% |
| Bronx County | 2 | 178 | 8.9% |
| Putnam County | 2 | 94 | 9.0% |
| Sullivan County | 2 | 42 | 6.9% |
| Wyoming County | 2 | 40 | 11.5% |
| Kings County | 3 | 508 | 7.4% |
| Niagara County | 3 | 265 | 12.4% |
| Schenectady County | 3 | 174 | 9.9% |
| Chautauqua County | 3 | 96 | 11.2% |
| Washington County | 3 | 60 | 10.2% |
| Cattaraugus County | 3 | 58 | 12.6% |
| Albany County | 4 | 167 | 6.4% |
| Dutchess County | 4 | 167 | 6.7% |
| Saratoga County | 4 | 162 | 6.7% |
| Rensselaer County | 4 | 104 | 7.1% |
| Warren County | 4 | 36 | 6.4% |
| Fulton County | 5 | 23 | 5.2% |
| Montgomery County | 5 | 23 | 5.4% |
| Schoharie County | 5 | 11 | 4.3% |
| Genesee County | 6 | 22 | 4.6% |
| Orleans County | 6 | 16 | 4.7% |
| Hamilton County | 6 | 2 | 4.7% |
| Ulster County | 7 | 54 | 3.7% |
- United Wholesale Mortgage (UWM) nationwide
- New York mortgage market
- United Wholesale Mortgage (UWM) in California
- United Wholesale Mortgage (UWM) in Florida
- United Wholesale Mortgage (UWM) in Texas
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology