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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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 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.