What loan types does Universal Mortgage & Finance offer?

Universal Mortgage & Finance offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Universal Mortgage & Finance offer mortgages?

Universal Mortgage & Finance offers mortgages in 7 states: FL, GA, MD, PA, SC, TX, VA.

How competitive are Universal Mortgage & Finance's mortgage rates?

Universal Mortgage & Finance has an overall pricing score of 8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Universal Mortgage & Finance?

Universal Mortgage & Finance is a Independent Mortgage Company headquartered in LUTHERVILLE, MD.

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Universal Mortgage & Finance

Independent Mortgage Company•Lutherville, MDHQ•Direct•Reviews near you on Google

Universal Mortgage & Finance has 94 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

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Strong

4/5

Multi-Region · 2 mkts

Summary

Things to Think About

Rates typically 70 basis points above market average
Higher than average fees ($6,387)

Explore another lender or local market

Report Card

Universal Mortgage & Finance performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+70.0 bps above 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

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	—	Acceptable	31	33.0%	+0.737%Above	$5,861Fees
FHA Loans	Strong	Sound	—	Strong	51	54.3%	+0.846%Above	$6,957Fees
VA Loans	Acceptable	Acceptable	—	—	11	11.7%	+0.031%Above	$5,955Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume31

Mix33.0%

Spread

+0.737%Above

Fees

$5,861Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume51

Mix54.3%

Spread

+0.846%Above

Fees

$6,957Fees

VA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume11

Mix11.7%

Spread

+0.031%Above

Fees

$5,955Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Sound	77	81.9%	+0.742%Above	$6,174Fees
Refinance	Acceptable	Acceptable	—	Sound	17	18.1%	+0.519%Above	$7,310Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume77

Mix81.9%

Spread

+0.742%Above

Fees

$6,174Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume17

Mix18.1%

Spread

+0.519%Above

Fees

$7,310Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

130

Volume

$37 million

Pricing & Closing

Avg Rate Spread

+0.700%

vs. market APOR

Avg Net Fees

$6,387

Origination − Credits

Pullthrough Rate

72.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$400,426

Avg Borrower Income

$192,223

Avg Property Value

$455,319

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

South6

FLGAMDSCTXVA

Top Metro Areas by Place Specialization Score

Washington, DC, DC-MDMetro

Volume 27Mix 28.72% of portfolio

64/100

Strong

Baltimore, MDMetro

Volume 36Mix 38.30% of portfolio

62/100

Strong

Top States by Place Specialization Score

MarylandState

Volume 73Mix 77.66% of portfolio

67/100

Strong

VirginiaState

Volume 10Mix 10.64% of portfolio

43/100

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.