Applications / Mortgage Analytics / Lenders / Colorado / Universal Lending
Greenwood Village, CO · Independent non-bank lender · CFPB · 860 loans in 2025
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860
loans originated, 2025
1,036
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Universal Lending is a home-purchase lender whose loans rose from 70 in 2024 to 860 in 2025, still far below the 8,402 it made in 2020.
Purchases made up 99.7% of its loans. Loans insured by the Federal Housing Administration (FHA) were 26.5%, against 21.3% at similar lenders (independent non-bank lenders making between half and twice as many loans). Its typical loan, $485,000, was larger than at more than nine in ten of them. Its typical rate, 4.99%, was lower than at almost all of them, against 6.50%; the figures do not show why.
It made 8,402 loans in 2020 and 1,040 in 2023, then just 70 in 2024. Its 860 loans in 2025 are close to the 885 of a typical similar lender. Whether the 2024 total reflects a pause in lending or a gap in its report, the figures do not say.
California is its main state, though its office is in Colorado. It entered Sacramento and Riverside-San Bernardino in 2024 and in 2025 took 0.5% and 0.2% of their lending, ranking 38 of 574 in Sacramento. United Wholesale Mortgage leads both. In Denver, where it has lent since 1990, it holds 0.1%.
Majority-minority neighborhoods took 52.0% of its loans, against 24.9% at similar lenders. Yet only 0.7% went to low- and moderate-income (LMI) neighborhoods, among the lowest of the group, against 18.1%. Its large typical loan suggests buyers in better-off areas, which may explain the low LMI share.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Universal Lending took 1,036 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.7% · Refinance 0.3%
Conventional 67.6% · FHA 26.5% · VA 5.9% · of 860 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 382 | 44.4% |
| Arizona | 218 | 25.3% |
| Oregon | 99 | 11.5% |
| Colorado | 91 | 10.6% |
| Texas | 53 | 6.2% |
| Washington | 13 | 1.5% |
| Florida | 4 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 217 |
| Riverside-San Bernardino-Ontario | 176 |
| Sacramento-Roseville-Folsom | 162 |
| Portland-Vancouver-Hillsboro | 99 |
| Denver-Aurora-Centennial | 86 |
| Austin-Round Rock-San Marcos | 32 |
| Los Angeles-Long Beach-Glendale | 31 |
| Houston-Pasadena-The Woodlands | 21 |
| Anaheim-Santa Ana-Irvine | 9 |
| Everett | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000OIGWIS24A1547 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2213046 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7840849361 | |
| Respondent ID (the HMDA filer code before 2018) | 7543609999 | 1990–2011 |
Established 3 April 1981. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Universal Lending's data.
Universal Lending's data
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