What loan types does UIF CORPORATION offer?

UIF CORPORATION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 29.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is UIF CORPORATION?

UIF CORPORATION is a Independent Mortgage Company headquartered in ANN ARBOR, MI.

Unclaimed

Uif Corporation

Independent Mortgage Company•ANN ARBOR, MI•Direct to Consumer

We analyzed every closed loan from Uif — 1.6k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

Near-National · 29 mkts

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Safe Rate's Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Uif Corporation performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +45.9 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Acceptable	Near industry average Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National30 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	1,555	99.0%	+0.452%Above	$2,473Fees
Jumbo Loans	Acceptable	Sound	—	Mediocre	15	1.0%	+1.144%Above	$1,181Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	1,521	96.9%	+0.455%Above	$2,461Fees
Refinance	Acceptable	Acceptable	Mediocre	Acceptable	49	3.1%	+0.567%Above	$2,439Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,570

Applications

2,424

Volume

$585 million

Pricing & Closing

Avg Rate Spread

+0.459%

vs. market APOR

Avg Net Fees

$2,460

Origination − Credits

Pullthrough Rate

64.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$373,083

Avg Borrower Income

$142,739

Avg Property Value

$488,000

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOCTFLGAIAILINKSKYMAMDMIMNMONCNJNYOHOKORPASCTNTXVAWAWI

Top Metro Areas by Place Specialization Score

Warren, MIMSA

Volume: 138Mix: 8.79%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 139Mix: 8.85%of portfolio

Place

Strong

Buffalo, NYMSA

Volume: 72Mix: 4.59%of portfolio

Place

Strong

Columbus, OH, OHMSA

Volume: 69Mix: 4.39%of portfolio

Place

Strong

Chicago, ILMSA

Volume: 99Mix: 6.31%of portfolio

Place

Strong

Minneapolis, MN-WIMSA

Volume: 88Mix: 5.61%of portfolio

Place

Strong

Detroit, MIMSA

Volume: 53Mix: 3.38%of portfolio

Place

Strong

Houston, TXMSA

Volume: 75Mix: 4.78%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 63Mix: 4.01%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 45Mix: 2.87%of portfolio

Place

Sound

Showing 10 of 29 metro areas

Top States by Place Specialization Score

MIState

Volume: 210Mix: 13.38%of portfolio

Place

Strong

TXState

Volume: 252Mix: 16.05%of portfolio

Place

Strong

NYState

Volume: 146Mix: 9.30%of portfolio

Place

Strong

NJState

Volume: 96Mix: 6.11%of portfolio

Place

Strong

ILState

Volume: 117Mix: 7.45%of portfolio

Place

Strong

MNState

Volume: 98Mix: 6.24%of portfolio

Place

Strong

OHState

Volume: 107Mix: 6.82%of portfolio

Place

Strong

GAState

Volume: 78Mix: 4.97%of portfolio

Place

Sound

VAState

Volume: 59Mix: 3.76%of portfolio

Place

Sound

PAState

Volume: 61Mix: 3.89%of portfolio

Place

Sound

Showing 10 of 22 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.