UNIVERSAL LENDING CORPORATION
UNIVERSAL LENDING CORPORATION received 1,036 applications in 2025 and made 860 mortgages, in 32 counties across 7 states. The median rate its borrowers got was 4.990% on a median loan of $485,000. Of 910 decisions, 50 were denials — 5.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000OIGWIS24A1547 |
|---|---|
| Applications received | 1,036 |
| Mortgages made | 860 |
| Denied | 50 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 126 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.0455 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 857 | 4.990% | $485,000 | 5.5% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where UNIVERSAL LENDING CORPORATION lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 182 | 4.990% | 6.2% |
| Riverside County, CA | 167 | 4.990% | 2.9% |
| Sacramento County, CA | 127 | 4.990% | 3.8% |
| Washington County, OR | 98 | 4.990% | 9.3% |
| Adams County, CO | 48 | 4.990% | 5.9% |
| Pinal County, AZ | 35 | 5.250% | 2.8% |
| Los Angeles County, CA | 31 | 4.990% | 3.1% |
| Hays County, TX | 26 | 5.183% | 7.1% |
| Placer County, CA | 24 | 6.558% | 20.0% |
| Douglas County, CO | 23 | 4.990% | 4.2% |
| Harris County, TX | 15 | 4.990% | 11.8% |
| El Dorado County, CA | 11 | 6.000% | 8.3% |
| Orange County, CA | 9 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 9 | Under 10 loans | 0.0% |
| Jefferson County, CO | 9 | Under 10 loans | 10.0% |
| Snohomish County, WA | 7 | Under 10 loans | 0.0% |
| Williamson County, TX | 6 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 5 | Under 10 loans | 0.0% |
| Pierce County, WA | 5 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 4 | Under 10 loans | 0.0% |
| Weld County, CO | 4 | Under 10 loans | 0.0% |
| Waller County, TX | 4 | Under 10 loans | 0.0% |
| Montgomery County, TX | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Clackamas County, OR | 1 | Under 10 loans | 0.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When UNIVERSAL LENDING CORPORATION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.