Universal Mortgage & Finance, Inc Mortgage Lending & HMDA Data, 2025
In 2025, Universal Mortgage & Finance, Inc of Edgewater, MD reported 205 mortgage applications totaling $75.5 million, up 51% from 2024. The average application was for $368,268, and applicants reported an average income of $247,756. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (71), Washington, DC-MD (55) and Arlington-Alexandria-Reston, VA-WV (11) (applications in parentheses).
| Mortgage Company & Address | Universal Mortgage & Finance, Inc 3158 Braverton Street Suite 204 Edgewater, MD 21037 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 205 |
| Total Mortgage Loan Application Amount | $75,495,000 |
| Average Mortgage Loan Application Amount | $368,268 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $247,756 |
| Highest Applicant Income | $9,691,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Universal Mortgage & Finance, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's, Maryland | 37 | $ 12,755,000 | $ 344,729 | $ 628,000 |
| Baltimore City, Maryland | 24 | $ 6,370,000 | $ 265,416 | $ 86,000 |
| Anne Arundel, Maryland | 21 | $ 7,555,000 | $ 359,761 | $ 142,000 |
| Baltimore, Maryland | 12 | $ 5,690,000 | $ 474,166 | $ 275,000 |
| Charles, Maryland | 10 | $ 4,030,000 | $ 403,000 | $ 102,000 |
| District of Columbia, District Of Columbia | 8 | $ 3,480,000 | $ 435,000 | $ 90,000 |
| Frederick, Maryland | 7 | $ 2,695,000 | $ 385,000 | $ 88,000 |
| Harford, Maryland | 6 | $ 2,020,000 | $ 336,666 | $ 92,000 |
| Howard, Maryland | 4 | $ 1,890,000 | $ 472,500 | $ 196,000 |
| Montgomery, Maryland | 4 | $ 2,020,000 | $ 505,000 | $ 125,000 |
| Prince William, Virginia | 4 | $ 1,330,000 | $ 332,500 | $ 86,000 |
| Carroll, Maryland | 3 | $ 1,005,000 | $ 335,000 | $ 117,000 |
| St. Mary's, Maryland | 3 | $ 985,000 | $ 328,333 | $ 134,000 |
| York, Pennsylvania | 3 | $ 805,000 | $ 268,333 | $ 85,000 |
| Chesapeake, Virginia | 3 | $ 1,495,000 | $ 498,333 | $ 168,000 |
| Loudoun, Virginia | 3 | $ 1,975,000 | $ 658,333 | $ 221,000 |
| Pinellas, Florida | 2 | $ 710,000 | $ 355,000 | $ 85,000 |
| Calvert, Maryland | 2 | $ 860,000 | $ 430,000 | $ 137,000 |
| Dorchester, Maryland | 2 | $ 420,000 | $ 210,000 | $ 64,000 |
| Talbot, Maryland | 2 | $ 1,540,000 | $ 770,000 | $ 1,071,000 |
| Fairfax, Virginia | 2 | $ 520,000 | $ 260,000 | $ 113,000 |
| Norfolk, Virginia | 2 | $ 280,000 | $ 140,000 | $ 51,000 |
| Portsmouth, Virginia | 2 | $ 580,000 | $ 290,000 | $ 83,000 |
| Stafford, Virginia | 2 | $ 1,080,000 | $ 540,000 | $ 136,000 |
| Virginia Beach, Virginia | 2 | $ 860,000 | $ 430,000 | $ 280,000 |
| Kent, Delaware | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Hernando, Florida | 1 | $ 545,000 | $ 545,000 | $ 146,000 |
| Manatee, Florida | 1 | $ 385,000 | $ 385,000 | $ 245,000 |
| Marion, Florida | 1 | $ 255,000 | $ 255,000 | $ 148,000 |
| Volusia, Florida | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| DeKalb, Georgia | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Henry, Georgia | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Cecil, Maryland | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Queen Anne's, Maryland | 1 | $ 395,000 | $ 395,000 | $ 80,000 |
| Washington, Maryland | 1 | $ 325,000 | $ 325,000 | $ 86,000 |
| Worcester, Maryland | 1 | $ 365,000 | $ 365,000 | $ 124,000 |
| Douglas, Nevada | 1 | $ 685,000 | $ 685,000 | $ 118,000 |
| Alamance, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Craven, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Cumberland, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Harnett, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Wake, North Carolina | 1 | $ 475,000 | $ 475,000 | $ 134,000 |
| Warren, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Wilkes, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 314,000 |
| Adams, Pennsylvania | 1 | $ 535,000 | $ 535,000 | $ 213,000 |
| Cumberland, Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 83,000 |
| Franklin, Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 103,000 |
| Lancaster, Pennsylvania | 1 | $ 655,000 | $ 655,000 | $ 164,000 |
| Monroe, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 110,000 |
| Montgomery, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 64,000 |
| Berkeley, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Orangeburg, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Guadalupe, Texas | 1 | $ 335,000 | $ 335,000 | $ 135,000 |
| Harris, Texas | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Kleberg, Texas | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Campbell, Virginia | 1 | $ 345,000 | $ 345,000 | $ 92,000 |
| Chesterfield, Virginia | 1 | $ 405,000 | $ 405,000 | $ 90,000 |
| Nelson, Virginia | 1 | $ 465,000 | $ 465,000 | $ 240,000 |
| Suffolk, Virginia | 1 | $ 335,000 | $ 335,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Universal Mortgage & Finance, Inc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 142 | $51,200,000 | $360,000 | $1,575,000 | $192,000 | $9,625,000 |
| Cash-out Refinancing | 36 | $12,100,000 | $336,000 | $735,000 | $121,000 | $420,000 |
| Refinancing | 27 | $12,195,000 | $451,000 | $1,155,000 | $710,000 | $9,691,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Black or African American | 97 | $36,685,000 | $378,000 | $1,575,000 | $342,000 | $9,691,000 |
| White | 69 | $25,655,000 | $371,000 | $1,155,000 | $149,000 | $2,074,000 |
| Hispanic | 22 | $6,810,000 | $309,000 | $665,000 | $89,000 | $234,000 |
| Not Provided | 15 | $5,765,000 | $384,000 | $715,000 | $146,000 | $501,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $60,000 | $60,000 |
| Asian | 1 | $315,000 | $315,000 | $315,000 | $110,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 106 | $41,280,000 | $389,000 | $735,000 | $114,000 | $400,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 78 | $25,160,000 | $322,000 | $1,575,000 | $409,000 | $9,691,000 |
| VA-guaranteed (Veterans Administration) | 21 | $9,055,000 | $431,000 | $725,000 | $129,000 | $274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 141 | $53,085,000 | $376,000 | $1,575,000 | $294,000 | $9,691,000 |
| Application Withdrawn By Applicant | 44 | $15,320,000 | $348,000 | $865,000 | $99,000 | $219,000 |
| Application Denied By Financial Institution | 13 | $4,845,000 | $372,000 | $665,000 | $108,000 | $221,000 |
| File Closed For Incompleteness | 7 | $2,245,000 | $320,000 | $505,000 | $93,000 | $148,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 192 | $70,650,000 | $367,000 | $1,575,000 | $240,000 | $9,691,000 |
| Credit History | 7 | $2,695,000 | $385,000 | $665,000 | $114,000 | $221,000 |
| Collateral | 2 | $840,000 | $420,000 | $485,000 | $105,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $265,000 | $82,000 | $90,000 |
| Debt-To-Income Ratio | 1 | $405,000 | $405,000 | $405,000 | $123,000 | $123,000 |
| Unverifiable Information | 1 | $405,000 | $405,000 | $405,000 | $105,000 | $105,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal Mortgage & Finance, Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Universal Mortgage & Finance, Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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