Union de Creditos Inmobiliarios (UCI) is a financial entity specializing in mortgage loans, operating since 1989. It offers services primarily in the Spanish market, with a focus on responsible credit practices. UCI's services include mortgage financing and related financial products. The company targets individuals and families seeking housing loans. Its unique selling proposition is providing specialized mortgage solutions, often for high-risk borrowers, with a strong digital presence through platforms like Hipotecas.com. UCI is jointly owned by Banco Santander and BNP Paribas, positioning it as a key player in Spain's mortgage sector[1][2][3].