Applications / Mortgage Analytics / Lenders / Maryland / Universal Mortgage & Finance
Edgewater, MD · Independent non-bank lender · CFPB · 141 loans in 2025
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141
loans originated, 2025
205
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Universal Mortgage & Finance is a Maryland lender built on government-backed loans, and in 2025 its lending grew 42% while similar lenders' shrank.
More than half its loans, 51.8%, were insured by the Federal Housing Administration (FHA), against 15.5% at similar lenders (independent non-bank lenders making between half and twice as many loans). Another 9.2% were guaranteed by the Department of Veterans Affairs (VA). Only 39.0% were conventional, a smaller share than at nearly nine in ten similar lenders.
Low- and moderate-income (LMI) borrowers took 45.2% of its loans, against 20.2% at similar lenders, more than at almost all of them. Majority-minority neighborhoods took 46.8%, about double the 22.2% at peers. Its heavy FHA lending fits that pattern.
Its loans rose 42% to 141, while similar lenders' fell 2% and the whole market grew 10%. That is still about a third of its 2020 total of 435, and its volume fell every year from 2020 to 2024.
It has lent in Baltimore and Washington since 2007, its first year of reporting, and now reaches 11 states. In Baltimore it ranks 171 of 592, with 0.1% of lending. In Lexington Park, a market First Home Mortgage leads, its share rose to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage & Finance took 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.1% · Refinance 31.9%
FHA 51.8% · Conventional 39.0% · VA 9.2% · of 141 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 |
|---|---|---|
| Maryland | 93 | 66.0% |
| Virginia | 19 | 13.5% |
| North Carolina | 7 | 5.0% |
| Pennsylvania | 7 | 5.0% |
| District of Columbia | 4 | 2.8% |
| Florida | 4 | 2.8% |
| South Carolina | 2 | 1.4% |
| Texas | 2 | 1.4% |
| Delaware | 1 | 0.7% |
| Georgia | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 48 |
| Washington | 31 |
| Virginia Beach-Chesapeake-Norfolk | 10 |
| Frederick-Gaithersburg-Bethesda | 8 |
| Arlington-Alexandria-Reston | 7 |
| Lexington Park | 4 |
| Charleston-North Charleston | 2 |
| York-Hanover | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Burlington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FFPMB9B7FHNR61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3883026 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7522276553 |
Established date not on record. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Universal Mortgage & Finance's data.
Universal Mortgage & Finance's data
$215
Universal Mortgage & Finance and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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