Uif Corporation Mortgage Rates, Fees & Info

ANN ARBOR, MI

LEI: 549300BXWU32AYWT1A56

Tax ID: 20-4136310

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Uif Corporation is a smaller mortgage company specializing in Home Purchase loans. Uif Corporation has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Detroit, New York, Atlanta, and Washington among others. We have data for 149 markets. (Some data included below & more in-depth data is available with an active subscription.)

Uif Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Uif Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.63% 9/1/24
30 Year Conventional Refi 6.57% 9/1/24
30 Year Cash-out Refi 7.08% 9/1/24
15 Year Conventional Purchase 6.14% 9/1/24
15 Year Conventional Refi 6.21% 9/1/24
15 Year Cash-out Refi 6.21% 9/1/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Uif Corporation Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Uif Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,992

Origination Dollar Volume (All Markets)

$699,230,000

Awards

UIF CORPORATION 30 Year Conventional Loans bronze UIF CORPORATION 30 Year Conventional Loans silver UIF CORPORATION 30 Year Conventional Loans silver
Show all (3) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 248 $96,810,000 $390,363 $7,077 5.03%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 235 $49,955,000 $212,574 $3,964 5.29%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 98 $48,120,000 $491,020 $8,180 5.04%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 124 $44,680,000 $360,323 $4,810 4.84%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 91 $43,975,000 $483,242 $4,965 5.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 127 $40,985,000 $322,717 $6,333 5.05%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 108 $38,400,000 $355,556 $9,364 4.90%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 106 $34,000,000 $320,755 $6,192 4.98%
COLUMBUS, OH (FHA|USDA|VA) 67 $19,665,000 $293,507 $5,456 5.38%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $18,425,000 $558,333 $5,709 4.65%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 24 $16,990,000 $707,917 $6,099 4.65%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 61 $16,755,000 $274,672 $5,927 5.08%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 19 $11,895,000 $626,053 $7,806 5.21%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 19 $10,605,000 $558,158 $5,307 5.29%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 27 $10,175,000 $376,852 $7,777 4.81%
RALEIGH-CARY, NC (FHA|USDA|VA) 25 $9,445,000 $377,800 $5,540 5.23%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 28 $8,930,000 $318,929 $4,604 5.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 21 $8,765,000 $417,381 $7,912 5.26%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 24 $8,240,000 $343,333 $7,619 4.89%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $5,655,000 $514,091 $6,307 5.29%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $5,540,000 $554,000 $4,929 4.85%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $5,445,000 $363,000 $6,147 5.44%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 31 $5,115,000 $165,000 $5,549 5.65%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $5,075,000 $390,385 $5,518 4.73%
STOCKTON, CA (FHA|USDA|VA) 8 $5,030,000 $628,750 $6,787 5.20%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $4,925,000 $378,846 $7,061 4.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $4,885,000 $375,769 $5,808 5.09%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $4,810,000 $801,667 $5,087 4.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 17 $4,765,000 $280,294 $6,358 5.37%
OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $4,590,000 $382,500 $5,759 4.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $4,155,000 $244,412 $3,971 5.30%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $3,855,000 $257,000 $4,927 4.95%
ST. LOUIS, MO-IL (FHA|USDA|VA) 13 $3,825,000 $294,231 $3,653 5.58%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $3,790,000 $631,667 $5,048 4.77%
ANN ARBOR, MI (FHA|USDA|VA) 9 $3,465,000 $385,000 $4,791 4.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 13 $3,185,000 $245,000 $5,687 5.32%
RICHMOND, VA (FHA|USDA|VA) 10 $3,170,000 $317,000 $3,382 4.39%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,780,000 $463,333 $5,317 5.79%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $2,700,000 $675,000 $13,076 4.78%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 11 $2,655,000 $241,364 $6,405 5.08%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 10 $2,570,000 $257,000 $5,941 5.20%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $2,490,000 $415,000 $6,278 4.77%
KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $2,455,000 $272,778 $2,809 4.82%
COLUMBIA, MO (FHA|USDA|VA) 5 $2,005,000 $401,000 $2,923 5.03%
LOUISVILLE, KY (FHA|USDA|VA) 5 $1,895,000 $379,000 $3,971 5.37%
AKRON, OH (FHA|USDA|VA) 7 $1,855,000 $265,000 $6,595 5.44%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $1,780,000 $296,667 $6,106 4.64%
TULSA, OK (FHA|USDA|VA) 6 $1,780,000 $296,667 $7,160 6.06%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 7 $1,765,000 $252,143 $5,777 5.70%
FORT WAYNE, IN (FHA|USDA|VA) 5 $1,715,000 $343,000 $3,306 5.08%
PEORIA, IL (FHA|USDA|VA) 7 $1,555,000 $222,143 $2,862 4.84%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $1,535,000 $307,000 $3,907 4.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,530,000 $765,000 $13,332 5.63%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $1,285,000 $428,333 $7,256 4.63%
MADISON, WI (FHA|USDA|VA) 4 $1,270,000 $317,500 $7,367 4.50%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,220,000 $305,000 $5,091 5.03%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,185,000 $395,000 $3,535 3.63%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $1,175,000 $391,667 $8,700 5.29%
HARRISONBURG, VA (FHA|USDA|VA) 2 $1,170,000 $585,000 $4,681 5.31%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,145,000 $381,667 $4,102 4.54%
TOLEDO, OH (FHA|USDA|VA) 3 $1,135,000 $378,333 $7,111 4.37%
ST. CLOUD, MN (FHA|USDA|VA) 4 $1,040,000 $260,000 $7,364 4.47%
FLINT, MI (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,386 5.21%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,344 5.19%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $995,000 $331,667 $9,466 5.54%
BOULDER, CO (FHA|USDA|VA) 2 $940,000 $470,000 $6,240 5.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $900,000 $225,000 $5,725 4.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $865,000 $288,333 $3,683 4.67%
PITTSBURGH, PA (FHA|USDA|VA) 3 $855,000 $285,000 $5,496 4.50%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $825,000 $275,000 $5,491 4.83%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $820,000 $410,000 $5,577 4.50%
WILMINGTON, NC (FHA|USDA|VA) 1 $815,000 $815,000 $0 5.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $805,000 $268,333 $5,944 4.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $805,000 $268,333 $5,607 4.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $795,000 $265,000 $7,272 4.33%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $785,000 $261,667 $8,978 5.13%
PANAMA CITY, FL (FHA|USDA|VA) 2 $730,000 $365,000 $6,745 5.44%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $720,000 $360,000 $5,262 5.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $720,000 $360,000 $7,954 3.13%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $710,000 $355,000 $6,114 4.69%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $690,000 $345,000 $7,379 4.69%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $645,000 $215,000 $5,081 3.83%
TUCSON, AZ (FHA|USDA|VA) 2 $640,000 $320,000 $5,911 5.06%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $630,000 $315,000 $3,453 4.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $620,000 $310,000 $11,558 4.31%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $595,000 $198,333 $3,561 5.21%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $560,000 $280,000 $7,852 4.31%
BURLINGTON, NC (FHA|USDA|VA) 2 $550,000 $275,000 $3,303 6.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $540,000 $270,000 $4,831 5.75%
Sevierville, TN (FHA|USDA|VA) 2 $520,000 $260,000 $0 5.31%
VISALIA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $17,616 5.00%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $515,000 $515,000 $6,026 5.75%
UTICA-ROME, NY (FHA|USDA|VA) 3 $495,000 $165,000 $6,133 4.33%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $475,000 $475,000 $7,492 3.88%
GAINESVILLE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $11,509 4.56%
Statesboro, GA (FHA|USDA|VA) 2 $460,000 $230,000 $3,358 4.94%
VALLEJO, CA (FHA|USDA|VA) 1 $425,000 $425,000 $7,037 6.13%
Outside of Metro Areas 2 $420,000 $210,000 $5,751 4.19%
Centralia, WA (FHA|USDA|VA) 1 $415,000 $415,000 $0 6.63%
MODESTO, CA (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.75%
Ardmore, OK (FHA|USDA|VA) 1 $405,000 $405,000 $6,593 7.13%
LONGVIEW, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,881 3.88%
FRESNO, CA (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.75%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $390,000 $195,000 $3,216 4.43%
ROCKFORD, IL (FHA|USDA|VA) 2 $380,000 $190,000 $4,066 5.31%
LAWTON, OK (FHA|USDA|VA) 3 $375,000 $125,000 $8,508 6.38%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $375,000 $375,000 $2,824 3.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $360,000 $180,000 $3,683 5.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $355,000 $355,000 $4,597 2.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $335,000 $335,000 $2,442 4.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $330,000 $82,500 $3,258 5.84%
BINGHAMTON, NY (FHA|USDA|VA) 2 $320,000 $160,000 $8,275 4.19%
ROANOKE, VA (FHA|USDA|VA) 1 $315,000 $315,000 $5,935 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,581 3.50%
EL PASO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,376 5.25%
Owatonna, MN (FHA|USDA|VA) 1 $275,000 $275,000 $9,325 4.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $275,000 $275,000 $4,028 4.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.00%
ALBANY, GA (FHA|USDA|VA) 1 $245,000 $245,000 $5,125 3.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,409 3.88%
OCALA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $6,334 4.00%
Richmond-Berea, KY (FHA|USDA|VA) 1 $235,000 $235,000 $7,591 6.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,628 7.00%
WACO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $5,973 3.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,425 5.88%
Calhoun, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,435 3.75%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,182 6.50%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $205,000 $205,000 $4,818 5.25%
Findlay, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,290 4.88%
Boone, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.38%
LEBANON, PA (FHA|USDA|VA) 1 $195,000 $195,000 $8,408 5.38%
SYRACUSE, NY (FHA|USDA|VA) 1 $185,000 $185,000 $5,290 5.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $185,000 $185,000 $4,722 4.38%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,253 4.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.13%
ROCHESTER, NY (FHA|USDA|VA) 2 $170,000 $85,000 $5,568 3.94%
Ottawa, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,399 4.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,229 2.63%
PITTSFIELD, MA (FHA|USDA|VA) 1 $145,000 $145,000 $5,095 4.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,400 4.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $140,000 $70,000 $2,997 3.56%
Branson, MO (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.00%
Coldwater, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,532 6.13%
COLUMBIA, SC (FHA|USDA|VA) 1 $135,000 $135,000 $3,752 3.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,577 6.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,429 5.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,481 5.25%
PUEBLO, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.63%
Uif Corporation's top markets include Dallas, Detroit, New York, Atlanta, and Washington among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,992 $699,230,000 $351,019 $6,019 5.05%

    For 2022, Uif Corporation's most frequently originated type of loan was Conventional, with 1,992 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,837 $647,975,000 $352,735 $6,152 5.13%
    Refi 93 $31,825,000 $342,204 $4,269 3.83%
    Cash Out Refi 44 $15,430,000 $350,682 $4,825 4.59%
    Other 10 $2,480,000 $248,000 $3,759 4.89%
    Home Improvement 8 $1,520,000 $190,000 $6,355 4.69%

    For 2022, Uif Corporation's most frequently cited loan purpose was Home Purchase, with 1,837 originations. The 2nd most popular reason was Refi, with 93 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,675 $604,905,000 $361,137 $6,102 5.20%
    15 Year 270 $78,440,000 $290,519 $5,448 4.19%
    20 Year 40 $14,180,000 $354,500 $6,217 4.80%
    10 Year 6 $1,380,000 $230,000 $6,545 3.83%
    Other 1 $325,000 $325,000 $0 5.38%

    For 2022, Uif Corporation's most frequently cited loan duration was 30 Year, with 1,675 originations. The 2nd most popular length was 15 Year, with 270 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 597 $249,515,000 $417,948
    $1k-2k 473 $138,595,000 $293,013
    $5k+ 252 $107,780,000 $427,698
    $2k-3k 244 $78,130,000 $320,205
    $3k-4k 147 $48,935,000 $332,891
    $4k-5k 90 $33,470,000 $371,889

    Uif Corporation's average total fees were $6,102, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 597 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 688 $252,470,000 $366,962
    4-5% 470 $165,450,000 $352,021
    3-4% 407 $144,945,000 $356,130
    6-7% 296 $100,080,000 $338,108
    7-8% 62 $18,230,000 $294,032
    2.5-3% 59 $15,925,000 $269,915
    <2.5% 10 $2,130,000 $213,000

    During 2022, Uif Corporation's average interest rate for loans was 5.20%, while their most frequently originated rate bucket for loans was 5-6%, with 688 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 934 $276,730,000 $296,285 $5,575 5.04%
    $400k-600k 450 $218,320,000 $485,156 $7,401 5.02%
    $100k-200k 354 $54,800,000 $154,802 $4,426 5.09%
    $600k-1MM 179 $126,475,000 $706,564 $7,808 5.09%
    $100,000 or less 60 $4,580,000 $76,333 $3,823 5.20%
    $1MM+ 15 $18,325,000 $1,221,667 $5,776 4.99%

    2022 saw Uif Corporation place emphasis on $200k-400k loans with 934 originations, totaling $276,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 542 $199,990,000 $368,985 $6,189 5.10%
    $150k-250k 383 $174,935,000 $456,749 $6,694 5.11%
    $50k-75k 329 $81,975,000 $249,164 $5,470 5.02%
    $75k-100k 329 $103,895,000 $315,790 $6,107 4.98%
    $50k or less 207 $33,045,000 $159,638 $4,467 4.99%
    $250k+ 182 $97,920,000 $538,022 $7,062 5.09%

    Uif Corporation lent most frequently to those with incomes in the $100k-150k range, with 542 originations. The second most popular income band? $150k-250k, with 383 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 366 $125,210,000 $342,104 $5,891 4.97%
    30-36% 329 $115,935,000 $352,386 $6,045 4.99%
    44% 131 $52,605,000 $401,565 $6,117 5.16%
    <20% 120 $37,480,000 $312,333 $4,860 4.89%
    43% 108 $38,750,000 $358,796 $5,804 5.11%
    42% 103 $36,005,000 $349,563 $5,509 5.10%
    49% 90 $29,190,000 $324,333 $6,058 5.39%
    45% 83 $27,515,000 $331,506 $6,707 5.26%
    41% 80 $31,490,000 $393,625 $6,170 5.13%
    37% 76 $28,040,000 $368,947 $6,140 4.91%
    39% 74 $26,060,000 $352,162 $6,151 4.98%
    36% 70 $25,490,000 $364,143 $5,953 4.92%
    40% 69 $26,525,000 $384,420 $5,922 5.22%
    48% 68 $24,460,000 $359,706 $6,876 5.08%
    38% 65 $22,345,000 $343,769 $6,107 4.85%
    47% 51 $17,515,000 $343,431 $6,370 5.04%
    46% 51 $16,695,000 $327,353 $6,545 5.23%
    50-60% 40 $11,550,000 $288,750 $6,871 5.28%

    Uif Corporation lent most frequently to those with DTI ratios of 20-30%, with 366 originations. The next most common DTI ratio? 30-36%, with 329 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 1,091 $376,255,000 $344,872 $5,618 5.09%
    White 331 $121,335,000 $366,571 $5,811 4.99%
    Not provided 247 $90,145,000 $364,960 $6,503 5.08%
    Black 266 $88,580,000 $333,008 $7,255 4.98%
    Asian Indian 18 $8,910,000 $495,000 $6,402 4.92%
    Other Asian 19 $6,115,000 $321,842 $7,266 5.21%
    Not applicable 13 $5,235,000 $402,692 $0 4.93%
    American Indian 5 $1,845,000 $369,000 $6,609 5.17%
    1 $525,000 $525,000 $6,724 4.99%
    Other Pacific Islander 1 $285,000 $285,000 $2,574 2.88%

    Approval Rates

    Total approvals of all applications
    94.77%

    Uif Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.47%

    Uif Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,992 $699,230,000 $351,019

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,992 $699,230,000 $351,019

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 47 $10,845,000 $230,745 $4,254 4.57%
    40-60% 147 $46,495,000 $316,293 $5,180 4.65%
    60-80% 727 $238,835,000 $328,521 $6,074 5.08%
    80-100% 1,068 $402,530,000 $376,901 $6,156 5.11%
    Under 20% 3 $525,000 $175,000 $5,368 4.88%