Applications / Mortgage Analytics / Lenders / Maryland / Universal Mortgage & Finance / Competition
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
Who Universal Mortgage & Finance competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
Universal Mortgage & Finance ranks 277th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $18.0M lent: 0.0% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BALTIMORE-COLUMBIA-TOWSON, MD, 2025
Universal Mortgage & Finance ranks 171st of 592 lenders in Baltimore-Columbia-Towson, MD, with $17.6M lent: 0.1% of a $19.71B market.
Baltimore-Columbia-Towson, MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — VIRGINIA BEACH-CHESAPEAKE-NORFOLK, NC-VA, 2025
Universal Mortgage & Finance ranks 230th of 577 lenders in Virginia Beach-Chesapeake-Norfolk, NC-VA, with $3.5M lent: 0.0% of a $15.33B market.
Virginia Beach-Chesapeake-Norfolk, NC-VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO MARYLAND, 2025
Universal Mortgage & Finance ranks 145th of 383 lenders in non-metro Maryland, with $2.1M lent: 0.1% of a $1.95B market.
non-metro Maryland is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — LEXINGTON PARK, MD, 2025
Universal Mortgage & Finance ranks 120th of 291 lenders in Lexington Park, MD, with $1.5M lent: 0.1% of a $1.83B market.
Lexington Park, MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO NEVADA, 2025
Universal Mortgage & Finance ranks 197th of 278 lenders in non-metro Nevada, with $685K lent: 0.0% of a $1.74B market.
non-metro Nevada is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — FAYETTEVILLE, NC, 2025
Universal Mortgage & Finance ranks 287th of 371 lenders in Fayetteville, NC, with $305K lent: 0.0% of a $2.93B market.
Fayetteville, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — RALEIGH-CARY, NC, 2025
Universal Mortgage & Finance ranks 519th of 638 lenders in Raleigh-Cary, NC, with $475K lent: 0.0% of a $15.84B market.
Raleigh-Cary, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Universal Mortgage & Finance in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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