UPF
United Premier Funding, LLC (UPF) is a privately held Georgia-based residential mortgage lender and broker licensed in nine US states, offering purchase mortgages, refinancing, and FHA loans to individual homebuyers across the Southeastern United States since 2011.
- Company typePrivate
- Founded2011
- HeadquartersGaussan, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What UPF does
United Premier Funding, LLC (UPF, DBA "UPF Mortgage") is a privately held residential mortgage lender and broker founded in 2011 and headquartered in Duluth, Georgia. The company originates conforming residential mortgage loans across a product suite that includes fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, rate/term refinancing, cash-out refinancing, and HARP refinancing. It also provides specialized guidance for first-time homebuyers, investment property purchases, and vacation/second home financing. The business operates under multiple state regulatory frameworks — licensed as a Residential Mortgage Lender in Alabama, Florida, Georgia, Louisiana, North Carolina, and Tennessee, and as a Residential Mortgage Broker in Pennsylvania, South Carolina, and Virginia — with branch offices in Duluth GA (HQ), Raleigh NC, and Rock Hill SC.
UPF runs a direct-to-consumer distribution model with no disclosed proprietary technology platform, no app, and no API integrations. Customer acquisition is driven through the company website (upfmtg.com), online mortgage inquiry forms, toll-free phone consultation (1-855-901-8633), and in-person branch engagement. Pricing is quote-based and varies per borrower based on credit profile, loan-to-value, down payment, loan term, and property type; no standard published rate sheet exists.
Revenue is generated through two streams: (1) origination fees on each closed residential mortgage loan, and (2) interest income on originated loans either held on balance sheet or sold into the secondary mortgage market. The company serves individual retail borrowers across the Southeastern US with a horizontal segmentation approach — primarily first-time homebuyers and refinancing homeowners, with secondary segments for investment and vacation property buyers. UPF operates as an independent, founder-led private LLC with no disclosed institutional investors, parent company, funding rounds, acquisitions, or executive leadership changes in the source material.
UPF firmographics
Firmographics- Name
- UPF
- Legal name
- United Premier Funding, LLC
- Website
- https://upfmtg.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- United Premier Funding, LLC (UPF) is a privately held Georgia-based residential mortgage lender and broker licensed in nine US states, offering purchase mortgages, refinancing, and FHA loans to individual homebuyers across the Southeastern United States since 2011.
- Ownership category
- akta.pro rank
UPF industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
Keywords
Where UPF is headquartered
LocationHeadquarters
- HQ city
- Gaussan
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
UPF business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination Fees: United Premier Funding generates revenue through origination fees charged when originating residential mortgage loans. As a licensed Residential Mortgage Lender and Broker, the company earns fees on loan originations including purchase mortgages, refinances, and cash-out refinances.
- Interest Income: Revenue is generated from the interest spread on mortgage loans originated and held or sold to secondary markets.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Purchase Mortgage - Home buying loans for first-time and repeat buyers |
| Other | Monthly | Refinance Loans - Rate/term and cash-out refinancing options |
| Other | Monthly | Fixed and Adjustable Rate Mortgages |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
UPF product offering
Product offeringCore offering
United Premier Funding, LLC originates and brokers residential mortgage loans for individual consumers, providing purchase mortgages (Fixed Rate, Adjustable Rate, FHA) and refinancing solutions (Rate/Term, Cash-Out, HARP). The firm guides borrowers from initial inquiry through consultation, document collection, underwriting, and closing, supported by online calculators and inquiry forms, and operates branches in Georgia, North Carolina, and South Carolina under multi-state lending and brokerage licenses.
Product overview
United Premier Funding LLC operates as a residential mortgage lender offering a comprehensive suite of mortgage products. The core loan products include Fixed Rate Mortgage, Adjustable Rate Mortgage (ARM), and FHA Loan. The company provides refinancing solutions including Rate/Term Refinance, Cash-Out Refinance, and HARP Refinance. Specialized services target First-Time Home Buyers, Investment Home buyers, and Vacation Home purchasers. Supporting tools include a Mortgage Calculator for payment estimation and Mortgage Inquiry for initial consultations. The company serves multiple U.S. states and operates as both a lender and broker depending on the state.
Differentiator
Problem solved
Functional benefit
Products and services
- Fixed Rate Mortgage A residential mortgage loan with a fixed interest rate that remains unchanged throughout the entire loan term, providing borrowers with predictable monthly payments. Available with 10, 15, 20, or 30 year terms for individual homebuyers and homeowners in the Southeastern U.S.
- Adjustable Rate Mortgage (ARM) A residential mortgage loan with an interest rate that periodically adjusts based on market conditions, typically offering lower initial rates than fixed-rate products. Available for individual homebuyers and homeowners in licensed states.
- FHA Loan A government-insured residential mortgage loan backed by the Federal Housing Administration, offering lower down payment requirements (as low as 3.5%) and more flexible qualification criteria for individual homebuyers.
- Rate/Term Refinance A refinancing option that replaces an existing residential mortgage with a new loan at better interest rates or different terms without withdrawing equity, available to existing homeowners in licensed states.
- Cash-Out Refinance A refinancing option that allows borrowers to withdraw equity from their home by replacing their existing residential mortgage with a larger loan amount. Available to existing homeowners seeking access to home equity.
- HARP Refinance The Home Affordable Refinance Program, allowing homeowners whose properties have declined in value to refinance even when loan-to-value ratios exceed 80%. Available to borrowers with existing loans dated on or before May 31, 2009.
- First-Time Home Buyer Program Specialized guidance and mortgage solutions designed for first-time homebuyers, covering the entire process from pre-qualification to closing, including education on mortgage options, down payments, and credit requirements.
- Investment Home Mortgage Mortgage financing solutions for individual real estate investors purchasing residential investment properties, with guidance on property evaluation and financing requirements including proof of income and down payment considerations.
- Vacation Home Mortgage Mortgage financing for individuals purchasing vacation or second homes, including guidance on the unique financial considerations of owning multiple residential properties.
Companies that use UPF
Customer profileSegments4 records
Ideal customer profiles3 records
UPF technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
UPF partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights4 records
UPF competitors and assessment
Company assessmentBroad incumbents
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
UPF social profiles
Digital presenceUPF financial estimates
Financial estimateRevenue estimate
Valuation estimate
UPF leadership team
Management profileNumber of profiles
UPF funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UPF 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 UPF
What does UPF do?
United Premier Funding, LLC originates and brokers residential mortgage loans for individual consumers, providing purchase mortgages (Fixed Rate, Adjustable Rate, FHA) and refinancing solutions (Rate/Term, Cash-Out, HARP). The firm guides borrowers from initial inquiry through consultation, document collection, underwriting, and closing, supported by online calculators and inquiry forms, and operates branches in Georgia, North Carolina, and South Carolina under multi-state lending and brokerage licenses.
Is UPF a public or private company?
UPF is a private company. It is classified as unknown and is currently operating.
When was UPF founded?
UPF was founded in 2011. It employs 1 to 10 people.
Where is UPF based?
UPF is headquartered in Gaussan, France, in the Europe region.
How does UPF make money?
Two revenue lines are on record. Mortgage Origination Fees are the primary driver. The others are interest Income.
Who are UPF's main competitors?
Rocket Mortgage is listed as a broad incumbent.
Does UPF have an API?
No public API is recorded for UPF.
What industry is UPF in?
UPF's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance). Its NAICS code is 52231 and its SIC code is 6162.