Lender in California · HMDA 2025
Universal Lending Corporation mortgages in California
Universal Lending Corporation's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Universal Lending Corporation originated 366 owner-occupied single-family loans in California from 383 completed applications.
Its median conventional purchase loan costs were $5,420 versus $7,920 for all California lenders, at a median 30-year fixed rate of 4.99% (California: 6.625%).
Loans in CA
366
of 383 applications
Denial rate
4.4%
Purchase · CA 8.9%
Rate spread
−1.21 pts
Conv. · CA +0.09 pts
Loan amount
$565,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 383 | 366 | 4.4% | 4.990% | −1.21 pts | $5,420 | $565,000 |
| Refinance | 0 | 0 | — | — | — | — | — |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Universal Lending Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sacramento County | 25 | 122 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology