United Financial Mortgage Corp
United Financial Mortgage — Investor Presentation (March 2005)
16 slides from United Financial Mortgage's investor presentation, Mar 7, 2005
Slide 1: Company Overview & Discussion
United Financial Mortgage Corp. Leading America Home Company Overview & Discussion March 2005
Slide 2: Presentation Agenda
Ours Financial Mortgage Corp. ‘eading America Home Presentation Agenda Investment Highlights. . Corporate History and Governance.. Industry Overview. Growth Strategy Fundamentals.. 14 Thisinfomation way contain orvar looking statements that imclve sks and unoedaindes that ould cause aokial reults di
Slide 3: Investment Highlights — Why UFM?
United Financial Mortgage Corp. eading America Home Investment Highlights — Why UFM? > UFM is well positioned to expand and diversify both organically and Horoush select M&A opportunities within an increasingly fragmented industry primed for consolidation > The Company has a history of delivering so
Slide 4: Corporate History
United Financial Mortgage Corp. ‘eading America Home Corporate History So Oo So Sn + UFMTounded as a mortgage broker + Jemployees * Net worth $1,000 5 branch offices ~50 employees Net worth §2.2 million FY 1998 revenues of $7.39 milion UFAWs initial public offering (IPO) ‘Acquisition of Mortgage Ser
Slide 5: Experienced Corporate Governance
United Financial Mortgage Corp. eading America Home Experienced Corporate Governance > Management team and Board of Directors have a long tenure with the Company and are well versed in all areas of the Mortgage Banking Industry > Senior management and the Board of Directors have a proven financial t
Slide 6: Experienced Corporate Governance .... continued
United Financial Mortgage Corp. eading America Home Experienced Corporate Governance .... continued > Steve Khashabe, President & CEO, Director. Named President and CEO in April 03, Since 1994, has served as Secondary Marketing Manager and CFO. Oversees corporate pianning and development, is the lia
Slide 7: Experienced Corporate Governance .... continued
United Financial Mortgage Corp. eading America Home Experienced Corporate Governance .... continued » Jahn Clark, Director. Was the President and CEO of a Chicago area-banking group with $1.2 billion in assets. His 17-year career as a senior execittive with that ordanization consisted of forming and
Slide 8: Mortgage Banking - A Consolidating Industry
United Financial Mortgage Corp. ‘eading America Home Mortgage Banking - A Consolidating Industry > Residential mortgage market is the largest consumer finance market in the U.S. > Highly competitive & fragmented industry » Top 3 mortgage services providers have an approximately 28% market share - re
Slide 9: UFM's Market Opportunity
Ours Financial Mortgage Corp. ‘eading America Home UFM's Market Opportunity > A fflat or rising interest rate environment will create a consolidation phase in the mortgage banking industry enabling UFM to increase mortgage loan origination volume and capture market share through strategic acquisitio
Slide 10: Historical Expansion
United Financial Mortgage Corp. ‘eading America Home Historical Expansion > Low cost branch acquisitions allow UFM to diversify by mitigating the effects of isolated, geographic downturns in mortgage activity ® 2005 - Acquisition of Plus Funding ® 2004 - Acquisition of Vision Mortgage Group, Inc. »
Slide 11: A History of Strong Financial Growth
United Financial Mortgage Corp. ‘eading America Home A History of Strong Financial Growth Total Loans Originations Principal Balance Servicing Rights $3,000 $2,000 500 2 iy 31500 $2,000 & 1,500 = 1,000 E 51,000 i ee = $500 $500 so 2 ae ad aed Se ee 4goe 1999 2000 zo01 2002 2nc2 2004 2005 Equity Bran
Slide 12: Growth Strategy
United Financial Mortgage Corp. ‘eading America Home Growth Strategy > Increase Servicing Portfolio > Direct increase to EPS » Leveraging the servicing portfolio as a direct marketing sales channel + Opens a direct marketing channel to cross-sell a variety of financial services and products (i.e. in
Slide 13: Growth Strategy .... continued
Ours Financial Mortgage Corp. ‘eading America Home Growth Strategy .... continued > Diversify our business ®» Growth in sub-prime lending business > Focused development of the commercial lending division + Stress small to medium sized businesses that would have difficulty obtaining commercial mortga
Slide 14: Solid Fundamentals
United Financial Mortgage Corp. ‘eading America Home Solid Fundamentals YTD For the Fiscal Year Ended April 30, 2004 2005 2004 2003 2002 2001 Summary Balance Sheet Data Total assets $302,710 $258,620 $170,950 © § «61,965 $60,387 Cash and cash equivalents 8,227 12,901 8,709 6,206 4,261 Loans held for
Slide 15: Full Service Mortgage Bank
United Financial Mortgage Corp. Leading America Home Full Service Mortgage Bank Residential Loan Originations (Wholesale & Retail Commercial Loan Originations United Financial Mortgage Corp. Servicing Portfolio Diversified Businesses Thisinfomation way contain orvar looking statements that imclve sk
Slide 16: Investment Highlights — Why UFM?
United Financial Mortgage Corp. eading America Home Investment Highlights — Why UFM? > UFM is well positioned to expand and diversify both organically and Horoush select M&A opportunities within an increasingly fragmented industry primed for consolidation > The Company has a history of delivering so
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