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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.

Safe Rate 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
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate 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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
31 loans · 0.74% above market
Mediocre
Bottom 20% of lenders
1/5
FHA
51 loans · 0.85% above market
Sound
Top 60% of lenders
3/5
VA
11 loans · 0.03% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
77 loans · 0.74% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
17 loans · 0.52% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

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

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
94
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
2
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 1010+None
Northeast1
PA
South6
FLGAMDSCTXVA

Top Metro Areas by Place Specialization Score

1© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 27Mix 28.72% of portfolio
64/100
Strong
2© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 36Mix 38.30% of portfolio
62/100
Strong

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 73Mix 77.66% of portfolio
67/100
Strong
Virginia
Virginia
2
VirginiaState
Volume 10Mix 10.64% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.