# UIF CORPORATION

> **Canonical URL:** https://saferate.com/lenders/uif


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UIF CORPORATION is a independent mortgage company, headquartered in ANN ARBOR, MI, serving borrowers across 30 states, with 1,570 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BXWU32AYWT1A56
- **Headquarters:** ANN ARBOR, MI
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AL, AZ, CA, CO, CT, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI
- **Markets (MSAs):** 30
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.459%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,460
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,570
- **Dollar Volume:** $586 million
- **Applications Received:** 2,424
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,083
- **Average Borrower Income:** $142,739
- **Average Property Value:** $488,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 1,555 | +0.452% | $2,473 | Strong 😀 |
| Jumbo | 44/100 | 15 | +1.144% | $1,181 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,506 loans, Score: 67/100 (Strong)
- Refinance: 49 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 1,521 | $570M | +0.455% | Strong 😀 |
| Refinance | 38/100 | 49 | $16M | +0.567% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 252 | 0.07% | 66/100 |
| MI | 210 | 0.19% | 68/100 |
| NY | 146 | 0.13% | 65/100 |
| IL | 117 | 0.09% | 62/100 |
| OH | 107 | 0.08% | 60/100 |
| MN | 98 | 0.15% | 62/100 |
| NJ | 96 | 0.11% | 63/100 |
| GA | 78 | 0.06% | 57/100 |
| PA | 61 | 0.05% | 55/100 |
| VA | 59 | 0.05% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 139 | 68/100 |
| Warren | MI | 138 | 69/100 |
| Chicago | IL | 99 | 63/100 |
| Minneapolis | MN-WI | 88 | 62/100 |
| Houston | TX | 75 | 59/100 |
| Buffalo | NY | 72 | 64/100 |
| Columbus, OH | OH | 69 | 63/100 |
| Atlanta | GA | 63 | 58/100 |
| Detroit | MI | 53 | 60/100 |
| Arlington | VA-WV | 48 | 57/100 |
| New York | NY-NJ | 46 | 55/100 |
| Lakewood | NJ | 45 | 58/100 |
| Baltimore | MD | 26 | 49/100 |
| Nassau County | NY | 26 | 50/100 |
| Montgomery County | PA | 20 | 48/100 |

## Where This Lender Ranks

UIF CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Buffalo Mortgage Companies
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Buffalo for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does UIF CORPORATION offer?

UIF CORPORATION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UIF CORPORATION offer mortgages?

UIF CORPORATION offers mortgages in 30 states: AL, AZ, CA, CO, CT, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI.

### How competitive are UIF CORPORATION's mortgage rates?

UIF CORPORATION has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.459% above market average.

### What type of lender is UIF CORPORATION?

UIF CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in ANN ARBOR, MI.

### What is UIF CORPORATION's loan approval success rate?

UIF CORPORATION has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/uif

### How to Cite

> "UIF CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/uif

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**[View Interactive Profile →](https://saferate.com/lenders/uif)**