# UNIVERSAL MORTGAGE & FINANCE, INC.

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


> **📋 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 MORTGAGE & FINANCE, INC. is a independent mortgage company, headquartered in LUTHERVILLE, MD, serving borrowers across 7 states, with 94 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300FFPMB9B7FHNR61
- **Headquarters:** LUTHERVILLE, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, GA, MD, PA, SC, TX, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.700%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $6,387
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 94
- **Dollar Volume:** $38 million
- **Applications Received:** 130
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $400,426
- **Average Borrower Income:** $192,223
- **Average Property Value:** $455,319

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 31 | +0.737% | $5,861 | Mediocre 😐 |
| FHA | 59/100 | 51 | +0.846% | $6,957 | Sound ☺️ |
| VA | 38/100 | 11 | +0.031% | $5,955 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 20/100 (Acceptable)

**FHA:**
- Purchase: 41 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 77 | $31M | +0.742% | Acceptable 🙂 |
| Refinance | 27/100 | 17 | $7M | +0.519% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 73 | 0.10% | 67/100 |
| VA | 10 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 36 | 62/100 |
| Washington, DC | DC-MD | 27 | 64/100 |

## Frequently Asked Questions

### What loan types does UNIVERSAL MORTGAGE & FINANCE, INC. offer?

UNIVERSAL MORTGAGE & FINANCE, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNIVERSAL MORTGAGE & FINANCE, INC. offer mortgages?

UNIVERSAL MORTGAGE & FINANCE, INC. offers mortgages in 7 states: FL, GA, MD, PA, SC, TX, VA.

### How competitive are UNIVERSAL MORTGAGE & FINANCE, INC.'s mortgage rates?

UNIVERSAL MORTGAGE & FINANCE, INC. has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.700% above market average.

### What type of lender is UNIVERSAL MORTGAGE & FINANCE, INC.?

UNIVERSAL MORTGAGE & FINANCE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in LUTHERVILLE, MD.

### What is UNIVERSAL MORTGAGE & FINANCE, INC.'s loan approval success rate?

UNIVERSAL MORTGAGE & FINANCE, INC. has a pull-through score of 42/100 (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-mortgage-finance

### How to Cite

> "UNIVERSAL MORTGAGE & FINANCE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/universal-mortgage-finance

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