Lender in Utah · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Utah
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 8,050 owner-occupied single-family loans in Utah from 8,935 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $6,690 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.50% (Utah: 6.50%).
Loans in UT
8,050
of 8,935 applications
Denial rate
6.1%
Purchase · UT 6.5%
Rate spread
+0.05 pts
Conv. · UT +0.05 pts
Loan amount
$435,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 5,513 | 5,124 | 6.1% | 6.500% | +0.05 pts | $6,690 | $435,000 |
| Refinance | 2,476 | 2,166 | 10.8% | 6.125% | −0.11 pts | $5,120 | $475,000 |
| Cash-out refinance | 946 | 760 | 18.2% | 6.625% | +0.23 pts | $5,410 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where United Wholesale Mortgage (UWM) ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Salt Lake County | 1 | 2,710 | 18.3% |
| Utah County | 1 | 1,854 | 15.5% |
| Davis County | 1 | 825 | 15.9% |
| Weber County | 1 | 681 | 14.2% |
| Cache County | 1 | 302 | 16.0% |
| Tooele County | 1 | 261 | 14.1% |
| Iron County | 1 | 205 | 18.0% |
| Box Elder County | 1 | 158 | 13.3% |
| Sevier County | 1 | 109 | 34.7% |
| Sanpete County | 1 | 100 | 23.7% |
| Wasatch County | 1 | 93 | 12.9% |
| Summit County | 1 | 75 | 11.7% |
| Juab County | 1 | 53 | 26.9% |
| Millard County | 1 | 35 | 22.7% |
| Emery County | 1 | 16 | 15.4% |
| Garfield County | 1 | 15 | 22.4% |
| Rich County | 1 | 10 | 22.2% |
| Wayne County | 1 | 5 | 20.8% |
| Piute County | 1 | 4 | 23.5% |
| Washington County | 2 | 377 | 10.1% |
| Duchesne County | 2 | 32 | 14.4% |
| Uintah County | 3 | 51 | 9.9% |
| Carbon County | 3 | 27 | 8.1% |
| Morgan County | 3 | 22 | 9.4% |
| Beaver County | 3 | 11 | 11.3% |
| Kane County | 3 | 10 | 8.8% |
| San Juan County | 3 | 5 | 7.1% |
| Grand County | 5 | 4 | 5.8% |
- United Wholesale Mortgage (UWM) nationwide
- Utah mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology