Universal Mortgage & Finance, Inc.
Mortgage Loan Application
Totals and Details
for 2009
Find mortgage loan statistics, lending data, and loan application totals for Maryland.
The mortgage statistics and data below are specific to mortgage loan applications for Universal Mortgage & Finance, Inc..
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| Mortgage Company & Address | Universal Mortgage & Finance, Inc. 3158 Braverton St., Suite 204 Edgewater, MD 21037 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 788 |
| Total Mortgage Loan Application Amount | $182,348,000 |
| Average Mortgage Loan Application Amount | $203,666 |
| Highest Mortgage Loan Application Amount | $616,000 |
| Average Applicant Income | $104,666 |
| Highest Applicant Income | $448,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in MD, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anne Arundel County Maryland | 94 | $ 24,810,000 | $ 263,000 | $ 82,000 |
| Prince George's County Maryland | 92 | $ 21,936,000 | $ 238,000 | $ 84,000 |
| Baltimore County Maryland | 41 | $ 8,221,000 | $ 200,000 | $ 72,000 |
| New Castle County Delaware | 34 | $ 6,780,000 | $ 199,000 | $ 66,000 |
| Montgomery County Maryland | 26 | $ 7,883,000 | $ 303,000 | $ 113,000 |
| Charles County Maryland | 24 | $ 6,658,000 | $ 277,000 | $ 89,000 |
| Philadelphia County Pennsylvania | 22 | $ 4,104,000 | $ 186,000 | $ 61,000 |
| Baltimore City County Maryland | 18 | $ 3,418,000 | $ 189,000 | $ 71,000 |
| Calvert County Maryland | 18 | $ 4,856,000 | $ 269,000 | $ 96,000 |
| Montgomery County Pennsylvania | 18 | $ 4,447,000 | $ 247,000 | $ 90,000 |
| Cecil County Maryland | 17 | $ 4,168,000 | $ 245,000 | $ 80,000 |
| Harford County Maryland | 15 | $ 3,976,000 | $ 265,000 | $ 90,000 |
| Howard County Maryland | 15 | $ 3,992,000 | $ 266,000 | $ 102,000 |
| Virginia Beach County Virginia | 15 | $ 3,360,000 | $ 224,000 | $ 72,000 |
| Clark County Nevada | 14 | $ 2,046,000 | $ 146,000 | $ 70,000 |
| Fairfax County Virginia | 14 | $ 4,938,000 | $ 352,000 | $ 162,000 |
| Frederick County Maryland | 13 | $ 2,932,000 | $ 225,000 | $ 66,000 |
| St. Mary's County Maryland | 13 | $ 3,366,000 | $ 258,000 | $ 78,000 |
| Chesterfield County Virginia | 13 | $ 2,581,000 | $ 198,000 | $ 69,000 |
| Bucks County Pennsylvania | 12 | $ 3,166,000 | $ 263,000 | $ 94,000 |
| Sussex County Delaware | 11 | $ 2,006,000 | $ 182,000 | $ 56,000 |
| Chester County Pennsylvania | 11 | $ 2,605,000 | $ 236,000 | $ 78,000 |
| District of Columbia County District Of Columbia | 10 | $ 2,257,000 | $ 225,000 | $ 105,000 |
| York County Pennsylvania | 10 | $ 1,979,000 | $ 197,000 | $ 72,000 |
| Kent County Delaware | 9 | $ 1,743,000 | $ 193,000 | $ 76,000 |
| Hampton County Virginia | 9 | $ 2,183,000 | $ 242,000 | $ 69,000 |
| Queen Anne's County Maryland | 8 | $ 1,716,000 | $ 214,000 | $ 96,000 |
| Lehigh County Pennsylvania | 8 | $ 1,531,000 | $ 191,000 | $ 54,000 |
| Washington County Maryland | 7 | $ 1,460,000 | $ 208,000 | $ 56,000 |
| Newport News County Virginia | 7 | $ 1,336,000 | $ 190,000 | $ 65,000 |
| Prince William County Virginia | 7 | $ 1,660,000 | $ 237,000 | $ 81,000 |
| Carroll County Maryland | 6 | $ 1,588,000 | $ 264,000 | $ 89,000 |
| Delaware County Pennsylvania | 5 | $ 947,000 | $ 189,000 | $ 74,000 |
| Lancaster County Pennsylvania | 5 | $ 1,080,000 | $ 216,000 | $ 72,000 |
| Rutherford County Tennessee | 5 | $ 763,000 | $ 152,000 | $ 61,000 |
| Henrico County Virginia | 5 | $ 1,006,000 | $ 201,000 | $ 66,000 |
| Wicomico County Maryland | 4 | $ 670,000 | $ 167,000 | $ 84,000 |
| Worcester County Maryland | 4 | $ 659,000 | $ 164,000 | $ 52,000 |
| Berks County Pennsylvania | 4 | $ 703,000 | $ 175,000 | $ 64,000 |
| Chesapeake County Virginia | 4 | $ 1,021,000 | $ 255,000 | $ 85,000 |
| Allegheny County Pennsylvania | 3 | $ 612,000 | $ 204,000 | $ 104,000 |
| Northampton County Pennsylvania | 3 | $ 805,000 | $ 268,000 | $ 61,000 |
| Horry County South Carolina | 3 | $ 456,000 | $ 152,000 | $ 49,000 |
| Davidson County Tennessee | 3 | $ 526,000 | $ 175,000 | $ 62,000 |
| Norfolk County Virginia | 3 | $ 515,000 | $ 171,000 | $ 65,000 |
| Roanoke County Virginia | 3 | $ 588,000 | $ 196,000 | $ 89,000 |
| Clay County Florida | 2 | $ 440,000 | $ 220,000 | $ 56,000 |
| Manatee County Florida | 2 | $ 392,000 | $ 196,000 | $ 109,000 |
| Cobb County Georgia | 2 | $ 215,000 | $ 107,000 | $ 52,000 |
| Douglas County Georgia | 2 | $ 444,000 | $ 222,000 | $ 96,000 |
| Fulton County Georgia | 2 | $ 623,000 | $ 311,000 | $ 80,000 |
| Gwinnett County Georgia | 2 | $ 389,000 | $ 194,000 | $ 86,000 |
| Talbot County Maryland | 2 | $ 751,000 | $ 375,000 | $ 114,000 |
| Gloucester County New Jersey | 2 | $ 317,000 | $ 158,000 | $ 93,000 |
| Passaic County New Jersey | 2 | $ 623,000 | $ 311,000 | $ 80,000 |
| Erie County Pennsylvania | 2 | $ 425,000 | $ 212,000 | $ 111,000 |
| Lackawanna County Pennsylvania | 2 | $ 272,000 | $ 136,000 | $ 28,000 |
| Westmoreland County Pennsylvania | 2 | $ 289,000 | $ 144,000 | $ 38,000 |
| Cheatham County Tennessee | 2 | $ 415,000 | $ 207,000 | $ 76,000 |
| Dickson County Tennessee | 2 | $ 386,000 | $ 193,000 | $ 58,000 |
| Sullivan County Tennessee | 2 | $ 380,000 | $ 190,000 | $ 78,000 |
| Sumner County Tennessee | 2 | $ 323,000 | $ 161,000 | $ 47,000 |
| Albemarle County Virginia | 2 | $ 593,000 | $ 296,000 | $ 117,000 |
| Bedford County Virginia | 2 | $ 355,000 | $ 177,000 | $ 79,000 |
| Caroline County Virginia | 2 | $ 424,000 | $ 212,000 | $ 109,000 |
| Fluvanna County Virginia | 2 | $ 363,000 | $ 181,000 | $ 44,000 |
| Loudoun County Virginia | 2 | $ 980,000 | $ 490,000 | $ 155,000 |
| Spotsylvania County Virginia | 2 | $ 493,000 | $ 246,000 | $ 109,000 |
| Stafford County Virginia | 2 | $ 421,000 | $ 210,000 | $ 70,000 |
| Warren County Virginia | 2 | $ 546,000 | $ 273,000 | $ 86,000 |
| York County Virginia | 2 | $ 517,000 | $ 258,000 | $ 92,000 |
| Alachua County Florida | 1 | $ 218,000 | $ 218,000 | $ 90,000 |
| Flagler County Florida | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Lake County Florida | 1 | $ 242,000 | $ 242,000 | $ 67,000 |
| Miami-Dade County Florida | 1 | $ 431,000 | $ 431,000 | $ 56,000 |
| Monroe County Florida | 1 | $ 324,000 | $ 324,000 | $ 83,000 |
| Okaloosa County Florida | 1 | $ 187,000 | $ 187,000 | $ 88,000 |
| Palm Beach County Florida | 1 | $ 172,000 | $ 172,000 | $ 101,000 |
| Pasco County Florida | 1 | $ 190,000 | $ 190,000 | $ 74,000 |
| Sarasota County Florida | 1 | $ 181,000 | $ 181,000 | $ 64,000 |
| Chatham County Georgia | 1 | $ 193,000 | $ 193,000 | $ 72,000 |
| DeKalb County Georgia | 1 | $ 206,000 | $ 206,000 | $ 45,000 |
| Floyd County Georgia | 1 | $ 152,000 | $ 152,000 | $ 77,000 |
| Muscogee County Georgia | 1 | $ 193,000 | $ 193,000 | $ 38,000 |
| Walton County Georgia | 1 | $ 144,000 | $ 144,000 | $ 59,000 |
| White County Georgia | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Caroline County Maryland | 1 | $ 243,000 | $ 243,000 | $ 42,000 |
| Dorchester County Maryland | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Somerset County Maryland | 1 | $ 199,000 | $ 199,000 | $ 92,000 |
| Morris County New Jersey | 1 | $ 405,000 | $ 405,000 | $ 156,000 |
| Adams County Pennsylvania | 1 | $ 223,000 | $ 223,000 | $ 73,000 |
| Cumberland County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 50,000 |
| Dauphin County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Fulton County Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 35,000 |
| Charleston County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Dorchester County South Carolina | 1 | $ 193,000 | $ 193,000 | $ 68,000 |
| Florence County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Richland County South Carolina | 1 | $ 230,000 | $ 230,000 | $ 180,000 |
| Sumter County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 95,000 |
| Marion County Tennessee | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Montgomery County Tennessee | 1 | $ 239,000 | $ 239,000 | $ 53,000 |
| Putnam County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 48,000 |
| Wilson County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 34,000 |
| Amelia County Virginia | 1 | $ 256,000 | $ 256,000 | $ 92,000 |
| Arlington County Virginia | 1 | $ 252,000 | $ 252,000 | $ 80,000 |
| Campbell County Virginia | 1 | $ 169,000 | $ 169,000 | $ 28,000 |
| Charles City County Virginia | 1 | $ 193,000 | $ 193,000 | $ 53,000 |
| Charlottesville County Virginia | 1 | $ 254,000 | $ 254,000 | $ 94,000 |
| Colonial Heights County Virginia | 1 | $ 173,000 | $ 173,000 | $ 74,000 |
| Dinwiddie County Virginia | 1 | $ 237,000 | $ 237,000 | $ 123,000 |
| Fauquier County Virginia | 1 | $ 325,000 | $ 325,000 | $ 72,000 |
| Franklin County Virginia | 1 | $ 157,000 | $ 157,000 | $ 61,000 |
| Fredericksburg County Virginia | 1 | $ 185,000 | $ 185,000 | $ 33,000 |
| Greene County Virginia | 1 | $ 170,000 | $ 170,000 | $ 28,000 |
| Hanover County Virginia | 1 | $ 166,000 | $ 166,000 | $ 54,000 |
| James City County Virginia | 1 | $ 281,000 | $ 281,000 | $ 46,000 |
| Louisa County Virginia | 1 | $ 392,000 | $ 392,000 | $ 81,000 |
| Pittsylvania County Virginia | 1 | $ 166,000 | $ 166,000 | $ 70,000 |
| Poquoson County Virginia | 1 | $ 254,000 | $ 254,000 | $ 70,000 |
| Portsmouth County Virginia | 1 | $ 177,000 | $ 177,000 | $ 125,000 |
| Powhatan County Virginia | 1 | $ 250,000 | $ 250,000 | $ 116,000 |
| Richmond City County Virginia | 1 | $ 153,000 | $ 153,000 | $ 47,000 |
| Rockingham County Virginia | 1 | $ 168,000 | $ 168,000 | $ 47,000 |
| Washington County Virginia | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Maryland,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Universal Mortgage & Finance, Inc. in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 629 | $146,951,000 | $233,000 | $579,000 | $81,000 | $448,000 |
| Home Purchase | 158 | $35,242,000 | $223,000 | $616,000 | $78,000 | $242,000 |
| Home Improvement | 1 | $155,000 | $155,000 | $155,000 | $155,000 | $155,000 |
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 |
|---|---|---|---|---|---|---|
| White | 497 | $114,779,000 | $230,000 | $616,000 | $82,000 | $360,000 |
| Black or African American | 137 | $30,388,000 | $221,000 | $454,000 | $77,000 | $242,000 |
| Not Provided | 122 | $29,571,000 | $242,000 | $579,000 | $81,000 | $448,000 |
| Hispanic | 19 | $4,038,000 | $212,000 | $324,000 | $70,000 | $158,000 |
| Asian | 9 | $2,760,000 | $306,000 | $484,000 | $86,000 | $131,000 |
| American Indian or Alaskan Native | 4 | $812,000 | $203,000 | $247,000 | $64,000 | $86,000 |
| 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) | 526 | $123,167,000 | $234,000 | $616,000 | $77,000 | $360,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 239 | $53,309,000 | $223,000 | $514,000 | $87,000 | $448,000 |
| VA-guaranteed (Veterans Administration) | 22 | $5,636,000 | $256,000 | $570,000 | $87,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $236,000 | $236,000 | $236,000 | $75,000 | $75,000 |
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 | 567 | $129,917,000 | $229,000 | $616,000 | $81,000 | $288,000 |
| Application Withdrawn By Applicant | 140 | $32,513,000 | $232,000 | $460,000 | $82,000 | $448,000 |
| Application Denied By Financial Institution | 80 | $19,479,000 | $243,000 | $514,000 | $75,000 | $360,000 |
| Application Approved But Not Accepted | 1 | $439,000 | $439,000 | $439,000 | $99,000 | $99,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $3,360,000 | $197,000 | $331,000 | $59,000 | $96,000 |
| Debt-To-Income Ratio | 13 | $3,471,000 | $267,000 | $449,000 | $57,000 | $94,000 |
| Collateral | 13 | $3,807,000 | $292,000 | $514,000 | $100,000 | $156,000 |
| Other | 2 | $532,000 | $266,000 | $314,000 | $60,000 | $84,000 |
| Unverifiable Information | 2 | $614,000 | $307,000 | $398,000 | $78,000 | $89,000 |
| Credit Application Incomplete | 1 | $196,000 | $196,000 | $196,000 | $66,000 | $66,000 |
| Employment History | 1 | $148,000 | $148,000 | $148,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $188,000 | $188,000 | $188,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in MD, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Maryland, and search similar information at your convenience.