Lender profile · HMDA 2023–2025
Universal Mortgage & Finance, Inc. mortgage approval rates & lending data
Universal Mortgage & Finance, Inc. decided 351 mortgage applications and funded 319 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 233 / 260 | 100% | $385K | 233 |
| Cash-out refinance | 98% | 39 / 40 | 100% | $355K | 39 |
Universal Mortgage & Finance, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 90% | $385K | 252 | 227 |
| Virginia | 96% | $375K | 26 | 25 |
| Florida | 91% | $255K | 22 | 20 |
| Pennsylvania | 91% | $315K | 11 | 10 |
| Nevada | 89% | $485K | 9 | 8 |
| District of Columbia | 75% | $265K | 8 | 6 |
| South Carolina | 100% | $335K | 6 | 6 |
| Georgia | 100% | $575K | 5 | 5 |
| North Carolina | 100% | $305K | 5 | 5 |
| Texas | 100% | $165K | 3 | 3 |
| Delaware | 100% | $235K | 2 | 2 |
| Colorado | 100% | $715K | 1 | 1 |
| Tennessee | 100% | $445K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.