# UNIVERSAL LENDING CORPORATION

> **Canonical URL:** https://saferate.com/lenders/universal-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UNIVERSAL LENDING CORPORATION is a independent mortgage company, headquartered in Littleton, CO, serving borrowers across 5 states, with 67 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000OIGWIS24A1547
- **Headquarters:** Littleton, CO
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, CA, CO, OR, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.468%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,607
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 67
- **Dollar Volume:** $33 million
- **Applications Received:** 85
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $492,164
- **Average Borrower Income:** $153,373
- **Average Property Value:** $578,731

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 19/100 | 34 | -0.523% | $3,890 | Mediocre 😐 |
| FHA | 53/100 | 23 | -0.451% | $3,166 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 34 loans, Score: 22/100 (Acceptable)

**FHA:**
- Purchase: 23 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 67 | $33M | -0.468% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 23 | 0.02% | 54/100 |
| OR | 17 | 0.04% | 52/100 |
| CA | 13 | 0.00% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 23 | 55/100 |
| Portland | OR-WA | 17 | 53/100 |

## Frequently Asked Questions

### What loan types does UNIVERSAL LENDING CORPORATION offer?

UNIVERSAL LENDING CORPORATION offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNIVERSAL LENDING CORPORATION offer mortgages?

UNIVERSAL LENDING CORPORATION offers mortgages in 5 states: AZ, CA, CO, OR, TX.

### How competitive are UNIVERSAL LENDING CORPORATION's mortgage rates?

UNIVERSAL LENDING CORPORATION has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.468% below market average.

### What type of lender is UNIVERSAL LENDING CORPORATION?

UNIVERSAL LENDING CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Littleton, CO.

### What is UNIVERSAL LENDING CORPORATION's loan approval success rate?

UNIVERSAL LENDING CORPORATION has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/universal-lending

### How to Cite

> "UNIVERSAL LENDING CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/universal-lending

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