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Universal Lending Corporation

Greenwood Village, CO

Universal Lending Corporation processed 90 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 70 loans with a 4.4% denial rate. Home Purchase was the primary loan purpose. Based in Greenwood Village, CO. The approval rate of 77.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Universal Lending Corporation's 77.8% origination rate tells you how often an application turned into funded money; the 4.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit application incomplete, Unverifiable information, which together explain the majority of rejections. Most activity concentrated in Conventional loans (56 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

90
Applications
70
Originated
4.4%
Denial Rate
$481,778
Avg Loan Amount
Avg Interest Rate: 5.537% Avg Applicant Income: $41,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 56 39 3 $481,071
FHA 26 23 1 $464,615
VA 8 8 0 $542,500

Top loan types - Universal Lending Corporation

Top loan types - Universal Lending Corporation Horizontal bar chart of the top 3 items by value (applications). Top loan types - Universal Lending Corporation Top 3 1. Conventional 56 2. FHA 26 3. VA 8 Top 5 loan types by application volume at Universal Lending Corporation (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Universal Lending Corporation (LEI: 5493000OIGWIS24A1547) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit application incomplete
3
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 88 70 $477,273
Refinancing 2 0 $680,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 51 76.5% 7.8%
Asian * 16 75.0% 0.0%
Joint * 6 83.3% 0.0%
Black or African American * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 49 83.7% 2.0%
Hispanic or Latino * 22 63.6% 9.1%
Joint * 6 66.7% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in CO

Other HMDA-reporting lenders in CO with similar activity. Compare any two side-by-side.

Pulte Mortgage LLC

Englewood, CO

28,004 apps 19,692 originated 10.9% denied

American Financing Corporation

AURORA, CO

25,138 apps 4,785 originated 52.0% denied

Ent Credit Union (68671)

COLORADO SPRINGS, CO

12,486 apps 7,861 originated 23.0% denied

Bellco Credit Union

GREENWOOD VILLAGE, CO

9,877 apps 4,150 originated 30.7% denied

Mortgage Solutions of Colorado

Colorado Springs, CO

9,759 apps 5,786 originated 3.7% denied
Compare Universal Lending Corporation vs Pulte Mortgage LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Universal Lending Corporation process?
Universal Lending Corporation processed 90 mortgage applications in the 2024 HMDA reporting year. Of these, 70 were originated (approved and funded), 16 were withdrawn by the applicant, and 4 were denied.
What is Universal Lending Corporation's mortgage approval rate?
Universal Lending Corporation has an approval (origination) rate of 77.8%, meaning 77.8% of all applications resulted in a funded mortgage. The denial rate is 4.4%.
What is the average loan amount at Universal Lending Corporation?
The average mortgage loan amount at Universal Lending Corporation is $481,778. The average interest rate is 5.537%. The average applicant income is $41,000.
What are the most common reasons for mortgage denial at Universal Lending Corporation?
The most common reasons for mortgage denial at Universal Lending Corporation are: Credit application incomplete, Unverifiable information. In total, 4 applications were denied out of 90 total applications.
What types of mortgage loans does Universal Lending Corporation offer?
Universal Lending Corporation processes Conventional, FHA, VA loans. The most common type is Conventional with 56 applications and an average loan amount of $481,071.
What loan purposes does Universal Lending Corporation serve?
Universal Lending Corporation serves the following loan purposes: Home Purchase (88 applications), Refinancing (2 applications). Home Purchase is the most common purpose.
Where is Universal Lending Corporation located?
Universal Lending Corporation is headquartered in Greenwood Village, CO. The lender is identified by LEI 5493000OIGWIS24A1547 in HMDA data.
How does Universal Lending Corporation compare in lending across racial demographics?
Universal Lending Corporation reports demographic lending data under HMDA requirements. White applicants have an approval rate of 76.5% and denial rate of 7.8%; Asian applicants have an approval rate of 75.0% and denial rate of 0.0%; Joint applicants have an approval rate of 83.3% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.