Universal Mortgage & Finance in Maryland vs the state
6.4%Denial rate-12.42 pts vs state
8.8%Decision denial rate-15.31 pts vs state
66.0%Origination rate+10.25 pts vs state
6.63%Median rate0.00 pts vs state
0.65Rate spread (pts)+0.40 pts vs state
$100kMedian applicant income
93Loans originated
9Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 78 | 7.8% | 6.88% | #206 |
| 2024 | 107 | 76 | 5.6% | 6.81% | #207 |
| 2025 | 141 | 93 | 6.4% | 6.63% | #202 |
What Universal Mortgage & Finance lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Universal Mortgage & Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 37 | 21 | 1 | 2.7% |
| Baltimore city | 24 | 9 | 3 | 12.5% |
| Anne Arundel County | 21 | 16 | 0 | 0.0% |
| Baltimore County | 12 | 11 | 1 | 8.3% |
| Charles County | 10 | 6 | 1 | 10.0% |
| Frederick County | 7 | 5 | 1 | 14.3% |
| Harford County | 6 | 6 | 0 | 0.0% |
| Montgomery County | 4 | 3 | 0 | 0.0% |
| Howard County | 4 | 4 | 0 | 0.0% |
| St. Mary's County | 3 | 3 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 141 applications in 2025, of which 93 were originated and 9 denied.
6.4% of all applications, or 8.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Universal Mortgage & Finance originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Universal Mortgage & Finance's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology