Huron Valley Financial, Inc. — Cyborg Score 5/10

Strategic Profile

The company was Washtenaw County's #1 locally based first mortgage loan originator in both 2018 and 2017. HVF was the #19 reverse mortgage lender nationwide in 2018 based on volume of loans originated. The firm positioned itself as a community-focused lender offering personalized service and a broad portfolio of mortgage products to southeast Michigan customers.

Cyborg Score Rationale

Huron Valley Financial was a strong regional mortgage lender with solid market position in Washtenaw County and significant reverse mortgage ranking, but faced industry challenges that led to its acquisition by University Lending Group in March 2019.

Top Insights

• (March 2019) Acquired by University Lending Group; 52 employees and mortgage operations transferred
• Top 20 reverse mortgage lender nationally; #1 mortgage originator in Washtenaw County
• Multi-division operations: retail mortgage, reverse mortgages (1st Nations Reverse), and wholesale lending (HVF Partners)
• Geographic expansion across 9-10 states with loan production offices across Michigan

Named Competitors

• University Lending Group — Regional mortgage originator and community bank subsidiary
• Alpha Mortgage — Regional mortgage lender
• Standard Mortgage — Mortgage origination services
• Universal Lending — Mortgage lending services

Recent Developments

• (March 2019) Assets and 52 employees acquired by University Lending Group, a subsidiary of University Bancorp (UNIB)
• (2015) Approved to service loans and sell to Fannie Mae; expanded to 90 employees
• (2014-2015) Named to Inc. 5000 list; rapid geographic expansion

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