UNIVERSAL MORTGAGE & FINANCE, INC.
UNIVERSAL MORTGAGE & FINANCE, INC. received 205 applications in 2025 and made 141 mortgages, in 60 counties across 11 states. The median rate its borrowers got was 6.625% on a median loan of $345,000. Of 154 decisions, 13 were denials — 8.4%, most often for credit history.
| Legal Entity Identifier | 549300FFPMB9B7FHNR61 |
|---|---|
| Applications received | 205 |
| Mortgages made | 141 |
| Denied | 13 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 51 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.656 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 96 | 6.625% | $320,000 | 11.1% |
| Refinancing | 22 | 6.500% | $390,000 | 0.0% |
| Cash-out refinancing | 23 | 6.750% | $355,000 | 4.2% |
Where UNIVERSAL MORTGAGE & FINANCE, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Prince George's County, MD | 21 | 6.750% | 4.6% |
| Anne Arundel County, MD | 16 | 6.500% | 0.0% |
| Baltimore County, MD | 11 | 6.750% | 8.3% |
| Baltimore city, MD | 9 | Under 10 loans | 25.0% |
| Charles County, MD | 6 | Under 10 loans | 14.3% |
| Harford County, MD | 6 | Under 10 loans | 0.0% |
| Frederick County, MD | 5 | Under 10 loans | 16.7% |
| District of Columbia, DC | 4 | Under 10 loans | 20.0% |
| Howard County, MD | 4 | Under 10 loans | 0.0% |
| Prince William County, VA | 4 | Under 10 loans | 0.0% |
| Montgomery County, MD | 3 | Under 10 loans | 0.0% |
| St. Mary's County, MD | 3 | Under 10 loans | 0.0% |
| Chesapeake city, VA | 3 | Under 10 loans | 0.0% |
| Talbot County, MD | 2 | Under 10 loans | 0.0% |
| York County, PA | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 0.0% |
| Norfolk city, VA | 2 | Under 10 loans | 0.0% |
| Portsmouth city, VA | 2 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 2 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| Calvert County, MD | 1 | Under 10 loans | 50.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Cecil County, MD | 1 | Under 10 loans | 0.0% |
| Dorchester County, MD | 1 | Under 10 loans | 50.0% |
| Queen Anne's County, MD | 1 | Under 10 loans | 0.0% |
| Washington County, MD | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Douglas County, NV | 1 | Under 10 loans | 0.0% |
| Alamance County, NC | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Cumberland County, NC | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Wilkes County, NC | 1 | Under 10 loans | 0.0% |
| Adams County, PA | 1 | Under 10 loans | 0.0% |
| Cumberland County, PA | 1 | Under 10 loans | 0.0% |
| Franklin County, PA | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 1 | Under 10 loans | 0.0% |
| Kleberg County, TX | 1 | Under 10 loans | 0.0% |
| Campbell County, VA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.