UFA is dedicated to making consumer lending a safer place for clients through its pioneering research on the relationship between loan performance and local economic conditions.

Solutions that matter.  UFA develops, maintains and licenses proprietary models and software tools that reliably forecast loan and portfolio profitability, with special emphasis on the sensitivity of these forecasts to changes in regional and national economic conditions.

Results that last.  UFA is committed to serving as a valuable independent source of lending and economic reporting and analysis.  We are raising awareness of the role of responsible lending practices in economic stability and prosperity.

People you can work with.  In all these activities, we value highly the integrity of our research and analysis, respect always the confidential nature of client relationships, and strive to contribute positively to discussion and understanding of regional and national economies.