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UIF CORPORATION
Independent Mortgage Company|ANN ARBOR, MI|Near-National
Loans Originated
1,570
Applications
2,424
Volume
$585 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.459%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,460
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
UIF CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 30 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$373,083
Average Borrower Income
$142,739
Average Property Value
$488,000
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% | $2,473 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 15 | 1.0% | +1.144% | $1,181 |
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% | $2,461 |
Refinance | Acceptable | Acceptable | Mediocre | Acceptable | 49 | 3.1% | +0.567% | $2,439 |
Geographic Coverage
Metro Areas
29
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTFLGAIAILINKSKYMAMDMIMNMONCNJNYOHOKORPASCTNTXVAWAWI
Top Metro Areas by Place Specialization Score
1
Warren, MIMSA
Volume: 138Mix: 8.79%
Place Specialization
Strong
2
Dallas, TXMSA
Volume: 139Mix: 8.85%
Place Specialization
Strong
3
Buffalo, NYMSA
Volume: 72Mix: 4.59%
Place Specialization
Strong
4
Columbus, OH, OHMSA
Volume: 69Mix: 4.39%
Place Specialization
Strong
5
Chicago, ILMSA
Volume: 99Mix: 6.31%
Place Specialization
Strong
6
Minneapolis, MN-WIMSA
Volume: 88Mix: 5.61%
Place Specialization
Strong
7
Detroit, MIMSA
Volume: 53Mix: 3.38%
Place Specialization
Strong
8
Houston, TXMSA
Volume: 75Mix: 4.78%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 63Mix: 4.01%
Place Specialization
Sound
10
Lakewood, NJMSA
Volume: 45Mix: 2.87%
Place Specialization
Sound
Showing 10 of 29 metro areas
Top States by Place Specialization Score
1
MIState
Volume: 210Mix: 13.38%
Place Specialization
Strong
2
TXState
Volume: 252Mix: 16.05%
Place Specialization
Strong
3
NYState
Volume: 146Mix: 9.30%
Place Specialization
Strong
4
NJState
Volume: 96Mix: 6.11%
Place Specialization
Strong
5
ILState
Volume: 117Mix: 7.45%
Place Specialization
Strong
6
MNState
Volume: 98Mix: 6.24%
Place Specialization
Strong
7
OHState
Volume: 107Mix: 6.82%
Place Specialization
Strong
8
GAState
Volume: 78Mix: 4.97%
Place Specialization
Sound
9
VAState
Volume: 59Mix: 3.76%
Place Specialization
Sound
10
PAState
Volume: 61Mix: 3.89%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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