Partition functions of two different matrix models for QCD with chemical potential are computed for an arbitrary number of quark and complex conjugate anti-quark flavors. In the large-N limit of weak nonhermiticity complete agreement is found between the two models. This supports the universality of such fermionic partition functions, that is of products of characteristic polynomials in the complex plane. In the strong nonhermiticity limit agreement is found for an equal number of quark and conjugate flavours. For a general flavor content the equality of partition functions holds only for small chemical potential. The chiral phase transition is analyzed for an arbitrary number of quarks, where the free energy presents a discontinuity of first order at a critical chemical potential. In the case of nondegenerate flavors there is first order phase transition for each separate mass scale.