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 score and performance metrics.

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 an overall pricing score of 60.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Universal Lending Corporation?

Universal Lending Corporation is a Independent Mortgage Company headquartered in Littleton, CO.

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Universal Lending Corporation

Independent Mortgage Company•Littleton, COHQ•Direct•Reviews near you on Google

Universal Lending Corporation has 67 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Regional · 2 mkts

Summary

What They Do Well

Offers rates 46.80 basis points below market average

Explore another lender or local market

Report Card

Universal Lending Corporation performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 46.8 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Mediocre

Bottom 20% of lenders

FHA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	Sound	Acceptable	34	50.7%	-0.523%Below	$3,890Fees
FHA Loans	Strong	Sound	—	Strong	23	34.3%	-0.451%Below	$3,166Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing

Sound

Pull Through

Acceptable

Volume34

Mix50.7%

Spread

-0.523%Below

Fees

$3,890Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume23

Mix34.3%

Spread

-0.451%Below

Fees

$3,166Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Sound	67	100.0%	-0.468%Below	$3,607Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume67

Mix100.0%

Spread

-0.468%Below

Fees

$3,607Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$32 million

Pricing & Closing

Avg Rate Spread

-0.468%

vs. market APOR

Avg Net Fees

$3,607

Origination − Credits

Pullthrough Rate

78.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$492,164

Avg Borrower Income

$153,373

Avg Property Value

$578,731

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South1

West4

AZCACOOR

Top Metro Areas by Place Specialization Score

Phoenix, AZMetro

Volume 23Mix 34.33% of portfolio

55/100

Sound

Portland, OR-WAMetro

Volume 17Mix 25.37% of portfolio

53/100

Sound

Top States by Place Specialization Score

ArizonaState

Volume 23Mix 34.33% of portfolio

54/100

Sound

OregonState

Volume 17Mix 25.37% of portfolio

52/100

Sound

CaliforniaState

Volume 13Mix 19.40% of portfolio

44/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.