Lender in Texas · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Texas
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 38,010 owner-occupied single-family loans in Texas from 43,932 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $7,750 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.624% (Texas: 6.50%).
Loans in TX
38,010
of 43,932 applications
Denial rate
8.9%
Purchase · TX 10.2%
Rate spread
+0.18 pts
Conv. · TX +0.09 pts
Loan amount
$315,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 24,929 | 22,473 | 8.9% | 6.624% | +0.18 pts | $7,750 | $315,000 |
| Refinance | 16,248 | 13,533 | 13.0% | 6.500% | +0.17 pts | $8,090 | $445,000 |
| Cash-out refinance | 2,755 | 2,004 | 24.3% | 6.999% | +0.47 pts | $7,910 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 211.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Harris County | 1 | 5,573 | 12.3% |
| Collin County | 1 | 4,288 | 18.1% |
| Denton County | 1 | 3,249 | 16.2% |
| Tarrant County | 1 | 2,572 | 10.3% |
| Dallas County | 1 | 2,229 | 10.5% |
| Fort Bend County | 1 | 1,975 | 14.7% |
| Williamson County | 1 | 1,758 | 13.3% |
| Travis County | 1 | 1,384 | 9.6% |
| Montgomery County | 1 | 1,126 | 7.5% |
| El Paso County | 1 | 1,005 | 10.2% |
| Brazoria County | 1 | 621 | 10.3% |
| Galveston County | 1 | 474 | 8.7% |
| Hidalgo County | 1 | 452 | 7.7% |
| Ellis County | 1 | 405 | 8.3% |
| Johnson County | 1 | 335 | 8.4% |
| Comal County | 1 | 330 | 8.5% |
| Smith County | 1 | 328 | 11.1% |
| Brazos County | 1 | 303 | 12.2% |
| Jefferson County | 1 | 245 | 11.6% |
| Chambers County | 1 | 218 | 17.9% |
| Rockwall County | 1 | 218 | 7.7% |
| Grayson County | 1 | 193 | 7.4% |
| Gregg County | 1 | 150 | 11.5% |
| Liberty County | 1 | 143 | 12.0% |
| Hood County | 1 | 114 | 8.6% |
| Orange County | 1 | 76 | 8.1% |
| Wilson County | 1 | 76 | 9.8% |
| Wood County | 1 | 60 | 10.0% |
| Harrison County | 1 | 59 | 9.5% |
| Walker County | 1 | 58 | 10.4% |
- United Wholesale Mortgage (UWM) nationwide
- Texas mortgage market
- United Wholesale Mortgage (UWM) in California
- United Wholesale Mortgage (UWM) in Florida
- United Wholesale Mortgage (UWM) in Michigan
- United Wholesale Mortgage (UWM) in Colorado
- United Wholesale Mortgage (UWM) in Arizona
- United Wholesale Mortgage (UWM) in Georgia
- United Wholesale Mortgage (UWM) in North Carolina
- United Wholesale Mortgage (UWM) in Illinois
- United Wholesale Mortgage (UWM) in New York
- United Wholesale Mortgage (UWM) in Virginia
- United Wholesale Mortgage (UWM) in Washington
- United Wholesale Mortgage (UWM) in Ohio
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology