Universal Lending Corporation mortgage approval rate & lending review
Universal Lending Corporation decided 2,019 mortgage applications and funded 1,815 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Universal Lending Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to universallending.com.
Universal Lending Corporation at a glance
Approval is 6.0 points above the 86.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,747 / 1,874 | 97% | $415K | 1,693 |
| Cash-out refinance | 89% | 54 / 61 | 96% | $275K | 52 |
| Investment property purchase | 90% | 47 / 52 | 96% | $355K | 45 |
Universal Lending Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 90% | $405K | 994 | 846 |
| California | 96% | $585K | 413 | 395 |
| Arizona | 95% | $395K | 261 | 247 |
| Oregon | 91% | $515K | 127 | 116 |
| Montana | 99% | $305K | 123 | 120 |
| Texas | 92% | $355K | 65 | 59 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Universal Lending Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Adams County, CO | Mortgage lenders | 92% | 154 | 134 |
| Sacramento County, CA | Mortgage lenders | 96% | 130 | 125 |
| Washington County, OR | Mortgage lenders | 92% | 125 | 115 |
| Arapahoe County, CO | Mortgage lenders | 89% | 139 | 112 |
| Yellowstone County, MT | Mortgage lenders | 99% | 112 | 110 |
| Weld County, CO | Mortgage lenders | 91% | 112 | 94 |
| Denver County, CO | Mortgage lenders | 89% | 108 | 92 |
| Douglas County, CO | Mortgage lenders | 96% | 74 | 69 |
| Larimer County, CO | Mortgage lenders | 100% | 56 | 55 |
| Pueblo County, CO | Mortgage lenders | 87% | 52 | 40 |
The county markets where Universal Lending Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Universal Lending Corporation
What is Universal Lending Corporation's mortgage approval rate?
Universal Lending Corporation approved 92.8% of the 2,019 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 86.8% national rate for the same mix of loan types.
How often do borrowers take the loan Universal Lending Corporation offers?
Borrowers accepted 97% of the loans Universal Lending Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Universal Lending Corporation make?
The typical home purchase mortgage loan Universal Lending Corporation made was $415K; across all loan types its typical loan ran from $275K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Universal Lending Corporation lend?
Universal Lending Corporation decided applications in 13 of the states Fat Boy Data covers, most of them in Colorado, California and Arizona.
Can I apply to Universal Lending Corporation directly?
Yes. Universal Lending Corporation reports as a direct lender that takes applications from borrowers. Its website is universallending.com.
Does this page show Universal Lending Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Universal Lending Corporation treats applications, then get a rate quote from the lender.