What United Faith Mortgage does

United Faith Mortgage (UFM) is a private, faith-focused retail mortgage lender doing business as United Mortgage Corp. (NMLS# 1330), co-founded by John Veracka and his son Ryan Veracka. The company originates residential mortgage loans — purchase money and refinance (rate-and-term, cash-out, and consolidation) — across 31 U.S. states through a direct-to-consumer model, with a stated product suite spanning FHA, Conventional, VA, USDA, Non-QM, Reverse, Investment Property, and Multi-Family loans. The business explicitly markets to Christian families and reaches its audience primarily through partnerships with 25+ Christian radio stations nationwide, supplemented by organic content (blog), Google reviews (4.9 stars, 1K+ reviews), and inbound phone/website funnels.

The core operating model is a direct-lender platform under which United Mortgage Corp. funds loans using its own capital and performs in-house underwriting, removing intermediary margin and enabling faster turnaround times. The team is intentionally small — described on its own materials as "only a couple-dozen of us, and much of us are family" — and is positioned around personalized, low-pressure service rather than scale-led origination. Promotional pricing is anchored on a $1,000 lender credit at closing on purchases (and $500 on refinances, $1,000 for both in Washington state), and a per-loan donation is made to nonprofit partner CURE International Children's Hospitals.

The revenue model is transaction-fee based: gain-on-sale, origination fees, and closing-cost income on each closed loan. Regulatory standing is a foundational element of the license to operate: UFM holds approved seller/servicer or issuer status with HUD/FHA, Fannie Mae, Freddie Mac, and Ginnie Mae, and is Equal Housing Opportunity compliant. The company is family-owned; no private equity, venture capital, or institutional ownership is indicated in the source material. The New York state website is not yet authorized by the New York Department of Financial Services, so applications for New York-located properties are not currently accepted through the site despite the corporate headquarters being based in Melville, NY.

Name

United Faith Mortgage

Legal name

United Mortgage Corp. d/b/a United Faith Mortgage

Website

https://unitedfaithmortgage.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

United Faith Mortgage is a private, family-owned U.S. direct lender doing business as United Mortgage Corp., originating faith-aligned residential purchase and refinance mortgages (FHA, VA, USDA, Conventional, Non-QM, Reverse, investment) across 31 states, reaching customers primarily through Christian radio station partnerships and inbound website/phone funnels.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Residential mortgage lending
• Home refinancing loans
• Faith-based lending
• Direct lender mortgages
• Home purchase financing

Headquarters

HQ city

Farmingdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Mortgage Origination and Lending: Revenue generated from originating mortgage loans as a direct lender. The company funds loans using its own capital and earns revenue through interest rates, origination fees, and closing costs associated with mortgage transactions for home purchases and refinances.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

United Faith Mortgage is a direct residential mortgage lender that originates home purchase loans and refinances using its own capital and in-house underwriting. Operating as a d/b/a of United Mortgage Corp. (NMLS# 1330), it offers a full suite of conventional and government-backed loan products (FHA, VA, USDA, Non-QM, Reverse, Investment Property, Multi-Family) and reaches customers primarily through Christian radio partnerships and direct website/phone channels.

Product overview

United Faith Mortgage is a faith-focused mortgage lending company operating as a d/b/a of United Mortgage Corp. (NMLS# 1330). The company offers a comprehensive suite of mortgage products including purchase mortgages, refinance options (rate-and-term, cash-out, and consolidation), and specialized loan programs such as FHA, Conventional, VA, USDA, Non-QM, and Reverse Mortgages. Additional offerings include Investment Property Loans and Multi-Family Loans. The company provides educational resources like the First-Time Buyer Blueprint and supports borrowers through programs like the Down Payment Assistance Program and the Self-Employed Program. Their Direct Lender Advantage allows them to use their own money and make decisions internally, often resulting in faster turnaround times and better rates for customers.

Differentiator

Problem solved

Functional benefit

Brands

• Limo Service Program: A time-tested and highly-organized refinancing process described as a 'limo service' where clients provide a few initial pieces and the team handles the rest.
• First-Time Homebuyer Blueprint
• Pre-Approval
• Self-Employed Program
• Down Payment Assistance Program

Products and services

• Purchase Mortgages Home purchase financing for buyers looking to purchase residential properties, offering various loan types including FHA, conventional, VA, USDA, and Non-QM options.
• Refinance Mortgage Refinancing services including rate-and-term refinances, cash-out refinances, and loan consolidation options for existing homeowners.
• FHA Loans Government-insured mortgage loans requiring as little as 3.5% down payment, designed for borrowers with lower credit scores.
• Conventional Loans Standard mortgage loans that may help borrowers pay less each month even with the same interest rate as FHA loans, typically requiring larger down payments.
• VA Loans Mortgage products designed to maximize options made available to veterans and their families, including purchase and refinance options.
• USDA Loans Rural area mortgage options with potentially 0% down payment for eligible properties in qualifying rural areas.
• Non-QM Loans Loans designed for borrowers who may not fit traditional lending standards but can still afford to repay, offering flexible qualification options.
• Cash-Out Refinance Refinancing option allowing homeowners to cash out equity in their home to pay off debt, do home updates, or use for other purposes.
• Pre-Approval Letter Service Pre-approval letter service providing buyers with a legitimate mortgage lender approval to be taken seriously by sellers, typically within 24 hours.
• Reverse Mortgages Modern reverse mortgage options that can change lives for older homeowners by converting home equity into funds while retaining homeownership.
• Investment Property Loans Mortgage options for investors interested in purchasing real estate for investment purposes, leveraging direct lender advantages.
• Multi-Family Loans Financing options for purchasing rental properties with multiple units, positioning the lender as a partner throughout the process.
• Down Payment Assistance Program Program designed to help buyers who may not have sufficient down payment funds, with minimum credit score requirements of 640.
• Self-Employed Program Specialized mortgage program that qualifies self-employed borrowers based on bank statements rather than tax returns or end income, designed to help self-employed individuals who traditionally face challenges getting qualified for mortgages.

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Twelve partnerships are on record, tiered minor and core.

• CURE International Children's HospitalsminorStrategic or Co-development Partner · 1 February 2026United Faith Mortgage partners with CURE International, a nonprofit that provides life-changing surgery and the love of Jesus to children worldwide with treatable disabilities at no cost to families. For every closed loan, the company makes a small donation to support CURE's mission. The partnership was facilitated through their connection with Brant Hansen, a Christian radio host and best-selling author whose show partners alongside CURE.
• 104.9 the River (Columbus)coreGTM or Marketing PartnerChristian radio station partnership in Columbus, OH area. The station's audience aligns with United Faith Mortgage's core values of faith and family.
• 94.9 KLTY (Dallas/Ft. Worth)coreGTM or Marketing PartnerChristian radio station partnership in Dallas/Ft. Worth area. One of their longer-term radio partnerships helping reach listeners across Texas.
• Star 93.3 (Cincinnati)coreGTM or Marketing PartnerChristian radio station partnership in Cincinnati area reaching listeners with faith-centered programming.
• WAY-FM (Multiple Markets)coreGTM or Marketing PartnerMulti-market Christian radio partnership including stations in Denver, Colorado Springs, Fort Collins, Louisville, Dallas/Ft. Worth, Charleston, Portland, Fort Myers-Naples, West Palm Beach-Fort Lauderdale, Wichita, Clarksville, Bowling Green, and Evansville. WAY-FM is a significant network partner for the company's national reach.
• The Fish (Nashville, Portland)coreGTM or Marketing PartnerChristian radio station partnerships in Nashville, TN and Portland, OR markets.
• Q102.7 (Colorado Springs)minorGTM or Marketing PartnerChristian radio station partnership in Colorado Springs market.
• The Answer (Columbus, Ohio)minorGTM or Marketing PartnerChristian talk radio partnership in Columbus, Ohio market.
• Joy99 (Grand Rapids)minorGTM or Marketing PartnerChristian radio station partnership in Grand Rapids, Michigan area.
• Spirit 105.3 (Seattle, Washington)minorGTM or Marketing PartnerChristian radio station partnership in Seattle, Washington market.
• Praise 106.5 (Bellingham, Washington)minorGTM or Marketing PartnerChristian radio station partnership in Bellingham, Washington market.
• WORD FM (Pittsburgh)minorGTM or Marketing PartnerChristian radio station partnership in Pittsburgh, Pennsylvania market.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Movement Mortgage: Movement Mortgage is a faith-based, family-values-driven direct mortgage lender founded on Christian principles, very similar to United Faith Mortgage. Both target relationship-driven lending with an emphasis on culture and community, and Movement also partners with radio and church networks. Closest comparable peer in business model, niche, and culture.
• CrossCountry Mortgage: CrossCountry Mortgage is a mid-size national direct mortgage lender with strong retail branch growth and a relationship-based service model emphasizing personal loan officer support — closely mirroring UFM's small-team personalized service positioning.

Broad incumbents

• Guild Mortgage: Guild Mortgage is a mid-to-large direct mortgage lender with strong retail branch presence and full product offerings including FHA, VA, USDA, and specialized programs. Comparable to UFM as a retail-focused direct lender serving families and first-time buyers.
• NewRez (New Residential Mortgage): NewRez is a national direct mortgage lender and servicer offering purchase, refinance, and specialty loan programs across retail and wholesale channels. Comparable to UFM as a direct lender with multi-state licensing and full agency approvals.
• Rocket Mortgage: Rocket Mortgage (Quicken Loans parent) is the largest U.S. direct mortgage lender and represents the broad incumbent that competes with UFM for purchase and refinance volume nationwide. While vastly larger and tech-driven, both operate as direct lenders with in-house underwriting selling the same core loan products.
• PrimeLending: PrimeLending is a national direct mortgage lender offering purchase, refinance, and specialty programs with retail branch distribution across many states. Comparable to UFM in being a multi-state licensed direct lender with a retail branch and family-service orientation.
• loanDepot: loanDepot is a major national direct mortgage lender with retail and wholesale channels offering FHA, VA, conventional, and refinance products — directly overlapping with UFM's product suite. Represents the scaled-tech competitor benchmark for UFM's direct lender model.
• Guaranteed Rate: Guaranteed Rate is a national direct mortgage lender offering the full suite of purchase and refinance products with both retail and digital channels. Comparable as a similarly-positioned direct lender competing for the same retail consumer.
• Caliber Home Loans: Caliber Home Loans is a large direct mortgage lender with retail and correspondent channels, specializing in purchase and refinance including non-QM products. Comparable to UFM in offering a full loan product suite with multi-state retail presence.
• PennyMac Loan Services: PennyMac is one of the largest U.S. direct mortgage lenders and servicers with strong retail and consumer direct channels offering purchase, refinance, FHA, VA, and conventional products. Comparable as a scaled direct lender competing for similar consumer borrowers in UFM's licensed states.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/united-faith-mortgage

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Faith Mortgage