UHS America
UHS America is a privately held Tustin, California-based mortgage quality control firm serving U.S. lenders with post-close and pre-funding audits, due diligence reviews, GSE/HUD compliance consulting, repurchase rebuttal services, and underwriting training, supported by a Power BI reporting platform.
- Company typePrivate
- Founded2000
- HeadquartersTustin, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What UHS America does
UHS America is a privately held mortgage quality control and consulting services firm headquartered in Tustin, California. Founded in 2000, the company originated by supporting three of four HUD Homeownership Centers on FHA audit work (post-closing, pre-funding, insuring) and subsequently pivoted to serve U.S. mortgage lenders directly, including banks, credit unions, and correspondent lenders. Its service portfolio spans post-close mortgage audits and re-underwriting, pre-funding audits (24-48 hour turnaround), due diligence reviews for MSR acquisitions and correspondent loan purchases, investor repurchase rebuttal services, FHA mortgagee approval assistance, and training programs for underwriters and appraisers.
The operating technology stack centers on a proprietary stratified and statistical random selection engine for loan file sampling, parameterized monthly to reflect client risk appetites, plus a Microsoft Power BI-based Management Reports Package delivering executive summaries, trending, Areas of Responsibility findings, and reverification results. Reverification of employment and assets is performed manually with a minimum two-contact best practice. The business model is professional services: custom, quote-based enterprise pricing, multi-year contracts, and direct enterprise field sales to lender compliance and QC executives. Marketing is minimal, relying on a "Request a Demo" call-to-action on the company website and LinkedIn presence. Leadership includes executives with 20-30+ years of mortgage banking experience drawn predominantly from Stearns Lending.
UHS America firmographics
Firmographics- Name
- UHS America
- Legal name
- UHS America
- Website
- https://uhsamerica.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- UHS America is a privately held Tustin, California-based mortgage quality control firm serving U.S. lenders with post-close and pre-funding audits, due diligence reviews, GSE/HUD compliance consulting, repurchase rebuttal services, and underwriting training, supported by a Power BI reporting platform.
- Ownership category
- akta.pro rank
UHS America industry classification
Industry- Product category
- Mortgage Quality Control Services
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL)
Keywords
Where UHS America is headquartered
LocationHeadquarters
- HQ city
- Tustin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
UHS America business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Quality Control Services: Professional services revenue from providing post-close and pre-funding mortgage audits, due diligence reviews, and quality control services to mortgage lenders. Services are compliance-focused and billed per engagement or as ongoing retainer arrangements.
- Mortgage Consulting Services: Consulting engagements including investor repurchase rebuttal services, FHA mortgagee approval assistance, quality control plan development, and test case/case binder review services.
- Training Services: Appraisal and underwriting training programs for mortgage industry professionals, including FHA DE and conventional underwriting training.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise pricing based on service scope |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
UHS America product offering
Product offeringCore offering
UHS America provides mortgage quality control audit and consulting services to lenders, credit unions, banks, and correspondent lenders across the United States. Its core offerings include post-close and pre-funding mortgage audits, due diligence reviews, repurchase rebuttal consulting, Quality Control Plan development, FHA mortgagee approval assistance, and appraisal/underwriting training. Services are designed to validate loan files against GSE (Fannie Mae, Freddie Mac) and HUD (FHA, VA, USDA) guidelines and to mitigate repurchase and indemnification risk for originators.
Product overview
UHS America operates as a mortgage quality control services company offering a unified portfolio of auditing and consulting solutions. The core platform consists of Post-Close Mortgage Audits and Pre-Funding Mortgage Audits, which perform comprehensive loan file reviews against GSE (Fannie Mae, Freddie Mac) and HUD (FHA, VA, USDA) guidelines. These are supported by Due Diligence Review services for pre-underwriting and portfolio analysis. The add-on consulting modules include Investor Repurchase Request Rebuttal Services, Quality Control Plan development, FHA Mortgagee Approval assistance, and Training programs for appraisal and underwriting professionals. Additional QC solutions include Early Payment Default Reviews, SAR Audits, and IVES 4506 Monthly Audit services. The company also delivers reporting through a Microsoft Power BI-based Management Reports Package.
Differentiator
Problem solved
Functional benefit
Products and services
- Post-Close Mortgage Audits
Companies that use UHS America
Customer profileSegments3 records
Ideal customer profiles2 records
UHS America technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
UHS America partnerships and signals
Strategic signalScale indicators2 records
Recent moves4 records
Expansion highlights2 records
UHS America competitors and assessment
Company assessmentDirect peers
- Mortgage Quality Management & Research (MQMR): Specialist mortgage quality control audit firm offering post-close, pre-funding, and compliance review services to lenders and investors. Closest direct analog to UHS America's core audit practice, including QC plan development and training.
- American Mortgage Consultants (AMC): Independent mortgage consulting and due diligence firm providing QC audits, repurchase risk reviews, MSR diligence and outsourced underwriting services to banks and non-bank lenders. Directly comparable in service mix and lender audience to UHS.
- Mortgage Connect LP: Mortgage services provider offering origination support, QC, compliance and post-closing services to retail, wholesale, and correspondent lenders. Overlaps with UHS across post-close QC and outsourced audit delivery.
- Class Valuation: Appraisal management and residential property valuation firm that has expanded into QC and mortgage risk services. Comparable to UHS where post-close audits include appraisal desk and field reviews, and to lender compliance teams more broadly.
- LenderLive: Mortgage services firm offering outsourced origination, processing, underwriting, and quality control to bank and non-bank lenders. Directly comparable in providing professional mortgage QC and compliance services to mid-market lenders.
Broad incumbents
- Covius (now part of ICE Mortgage Technology): Provider of mortgage QC, due diligence, surveillance, and compliance services to lenders and investors. Now backed by ICE Mortgage Technology, it competes with UHS in due diligence and QC but at meaningfully larger scale and broader product portfolio.
- Altisource: Mortgage and real estate services company offering origination support, default and property preservation, and QC/inspection services. Compares to UHS on the lender-side mortgage services axis but at portfolio-wide scale.
- ServiceLink (Black Knight / ICE Mortgage Technology): Full-service mortgage service provider covering title, closing, valuation, and default services. Adjacent to UHS as a one-stop-shop alternative for lenders bundling QC with other outsourced mortgage services.
- Mortgage Cadence (Accenture / ICE Mortgage Technology ecosystem): Loan origination system (LOS) provider with workflow, compliance and QC capabilities embedded in the origination stack. Represents the in-platform, software-displacement competitor to standalone QC audit vendors like UHS.
Emerging players
- QuestSoft (now part of ICE Mortgage Technology): Regulatory compliance and QC software platform delivering automated compliance checks and audit testing for mortgage lenders. Represents the tech-enabled competitive vector to UHS's manual audit-led approach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
UHS America social profiles
Digital presenceUHS America financial estimates
Financial estimateRevenue estimate
Valuation estimate
UHS America leadership team
Management profileNumber of profiles
Profiles6 records
UHS America funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UHS America M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UHS America
What does UHS America do?
UHS America provides mortgage quality control audit and consulting services to lenders, credit unions, banks, and correspondent lenders across the United States. Its core offerings include post-close and pre-funding mortgage audits, due diligence reviews, repurchase rebuttal consulting, Quality Control Plan development, FHA mortgagee approval assistance, and appraisal/underwriting training. Services are designed to validate loan files against GSE (Fannie Mae, Freddie Mac) and HUD (FHA, VA, USDA) guidelines and to mitigate repurchase and indemnification risk for originators.
Is UHS America a public or private company?
UHS America is a private company. It is classified as management employee owned and is currently operating.
When was UHS America founded?
UHS America was founded in 2000. It employs 51 to 100 people.
Where is UHS America based?
UHS America is headquartered in Tustin, United States, in the North America region.
How does UHS America make money?
Three revenue lines are on record. Mortgage Quality Control Services are the primary driver. The others are mortgage Consulting Services and training Services.
Who are UHS America's main competitors?
Direct peers on record are Mortgage Quality Management & Research (MQMR), American Mortgage Consultants (AMC), Mortgage Connect LP, Class Valuation and LenderLive. Broad incumbents are Covius (now part of ICE Mortgage Technology), Altisource, ServiceLink (Black Knight / ICE Mortgage Technology) and Mortgage Cadence (Accenture / ICE Mortgage Technology ecosystem). QuestSoft (now part of ICE Mortgage Technology) is listed as an emerging player.
Does UHS America have an API?
No public API is recorded for UHS America.
What industry is UHS America in?
UHS America's product category is Mortgage Quality Control Services. Its primary akta.pro industry code is FSALALAL, Quality Control (QC), Compliance & Audit Tools for Underwriting. Its SIC code is 6162.