About UFFWest (United Fidelity Funding Corp)

Lending at a Higher Level…

Hello and thank you for taking the time to be introduced to a new wholesale banking philosophy. In a time of complex transactions the last thing you need is to have additional challenges placed on you. UFFWest utilizes the very best in wholesale banking technology and the highest committed personnel to provide you an experience of EXCELLENCE on every transaction. We are excited to be able to provide consistency in a turbulent time. UFFWest prides itself on the personalized relationships it builds with its partners. We provide our partners the individualized service from submission through funding by having a dedicated team of employees at every milestone of the transaction. The core of this team has a working relationship of 10 or more years together. If practice makes perfect get ready to experience perfection! Every transaction is decisioned at the local level with a philosophy that if it can be done it will be done! Every day we realize you have a number of choices on how and who you do business with, we strive to be that higher standard you have come to expect from us.

We appreciate the opportunity to partner with you and experience “lending at a higher level”!

John Bell

John Bell


John has more than 25 years of experience working in the real estate investment banking industry where he has developed a wildly successful track record of success growing organizations.He is an asset professional who is known to play a pivotal role in expanding business channels, quickly increasing revenue, and taking companies to new heights.

John holds deep experience in all facets of banking ranging from operations, capital markets, servicing, warehouse lines, technology, and more. He has successfully operated business capacities at large banks and mega lenders, as well as smaller de novo operations.

Some highlights of John’s career include managing a $50 billion hedge fund wholesale platform, building a billion dollar wholesale lending business that was acquired by a private east coast hedge fund, personally closing $11 billion in new business over the course of his career to date and winning numerous awards to name a few.

Currently, John is the principal of UFF West Corp., which he established and launched in 2013. Notable is that John has been named to the prestigious “Chairman’s Award of Excellence” four times and a President’s Club Member seven times. He has numerous trade publication articles written about his business success. John is an active member of many Banking, Investments and real estate groups where he regularly attends conferences on industry issues and trends. He serves as an expert resource and sought after in the media on financial topics. John majored in Business Administration with an emphasis in Finance from Arizona State University.

Lorinn Rivera

Lorinn Rivera

Senior Vice President, Operations

Lorinn Rivera is the SVP of Operations for UFF West, overseeing all of the mortgage operations departments including, Underwriting, Funding & Compliance. Prior to joining UFF West in 2013, Lorinn served as the Operations Manager at NDM in Irvine and as Director of Operations at Carrington Mortgage Wholesale Division.

With over 15 years of mortgage banking experience, she is motivated to create a well-organized process while protecting the company’s interest. Lorinn has been responsible for implementing systems and process to ensure that operations run efficiently while supporting the growth of the company. She is driven to continuously focus on process improvement in all aspects of the business and the continued growth of the company.

Al Gruzdis

Al Gruzdis

Regional Sales Manager

As our Regional Sales Manager, Al is responsible for developing, executing and achieving company sales goals. Al oversees the UFFWest sales department which includes our inside and field Account Executives driving a daily volume of loans from our broker/partners. Creating long lasting client relationships while maintaining service levels is our company motto. This is achieved through his daily mentoring of sales staff, production monitoring, sales training and motivational awareness.

Al enjoys his work since it not only allows him to continue developing his personal goals, but also provides the opportunity toserve team members and customers. He earned a Bachelor of Sciences degree in Business/Finance from California Polytechnic University. He began his finance career at First Interstate Bank then accelerated into the Wholesale Mortgage Industry by working with some of the top lenders in the country, including: Sterling Bank, Headlands Mortgage, GreenPoint Bank and Paul Financial, LLC. Al has held many high ranking positions over his 25year career, including Vice President and Senior Vice President with Greenpoint Mortgage and Paul Financial, LLC. Most recently, Al has held top sales positions at Bay Equity, LLC and Weslend Mortgage. Al has recently joined UFFWest to maintain and build the sales team. His dedication to the Wholesale TPO channel has been unparalleled. He is an excellent motivator, speaker and presenter.

Al has been instrumental in almost every aspect of daily operations/sales for many of his past companies. His vast array of knowledge of all aspects of the Wholesale mortgage process is unsurpassed. Al currently resides in Coto de Caza, with his wife and college bound children. During his spare time, Al enjoys playing Golf, Cooking and wine collecting.