University Financial Corp.

What their website says about applying

• Complete & submit the application with requested personal and loan information. source
• A government-issued photo ID, such as a driver’s license, state ID card, or passport. source
• Vehicle Identification Number (VIN) source
• Fill out the form below and we can help guide you through the SBA loan process. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

• ITIN accepted Can be used by people with ITINs source
• Homebuyer education required Homebuyer education course required source
• First-time homebuyer program qualifying first-time and first-generation homebuyers source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages are for Sunrise Banks; the lender id given does not appear on them, and no small-business loan product page was fetched. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Is there a minimum loan amount?
   Their website gives a maximum ($5M) but no minimum.
2. What is the APR, including fees, on your auto loans and home mortgages?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
3. What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
   Their website does not state a rate for this.
4. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
5. Do you need collateral, a business plan or a minimum time in business?
   Their website does not say what they require.
6. How long can I take to repay?
   No repayment terms are stated on their website.
7. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

Subsidiary bank on file with the FDIC: Sunrise Banks, National Association (FDIC cert 18561, total assets $2.8 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.

An office shows where the lender has a branch, not where it lends or whom it lends to.

A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Sunrise Banks, National Association (RSSD 860053, FDIC cert 18561), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.

Loan mix (balances on 30 Jun 2026)

None reported on the 30 Jun 2026 report: farmland and farm production loans.

Within consumer loans: auto loans $5 million, credit cards $6 million.

Small business loans (original amount $1 million or less, balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.

The HMDA reporter panel lists University Financial Corp. as the parent or top holder of this filer, which is also a certified CDFI with its own page:

• Sunrise Banks, N.A.: 230 originated home loans

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).

SBA loan data names this holding company's bank, not the holding company. Its subsidiary Sunrise Banks, N.A. is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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