Ubs Bank Usa Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 549300GWD9H4FQ2VR805

Tax ID: 87-0477597

5 stars - Updated: 4/5/25 - out of 5 stars, based on 50 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Ubs Bank Usa is a mid-sized bank specializing in Home Purchase and Other loans. Ubs Bank Usa has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Miami, Boston, and San Francisco among others. We have data for 248 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Ubs Bank Usa has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ubs Bank Usa is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.71% 4/5/25
    30 Year Conventional Refi 6.76% 4/5/25
    30 Year Cash-out Refi 6.73% 4/5/25
    15 Year Conventional Purchase 6.46% 4/5/25
    15 Year Conventional Refi 6.49% 4/5/25
    15 Year Cash-out Refi 6.49% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Ubs Bank Usa Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Ubs Bank Usa. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,537

    Origination Dollar Volume (All Markets)

    $3,472,565,000
    Show all (53) awards

    Relative Rate

    Ubs Bank Usa's average 30 year fixed mortgage rate was 6.36%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.19%.

    Relative Fees (Closing Costs)

    Ubs Bank Usa's average total fees/closing costs for a 30 year fixed rate mortgage were $7,212.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 243 $385,505,000 $1,586,440 $8,085 6.26%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 147 $364,035,000 $2,476,429 $10,431 6.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 143 $282,745,000 $1,977,238 $11,000 6.27%
    Outside of Metro Areas 131 $191,725,000 $1,463,550 $7,850 6.35%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 88 $117,720,000 $1,337,727 $6,697 6.29%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 66 $115,810,000 $1,754,697 $6,163 6.26%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 59 $80,815,000 $1,369,746 $6,247 6.37%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 49 $79,205,000 $1,616,429 $11,580 6.38%
    Heber, UT (FHA|USDA|VA) 21 $73,775,000 $3,513,095 $9,409 6.12%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 67 $72,905,000 $1,088,134 $5,494 6.38%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 52 $72,230,000 $1,389,038 $7,510 6.26%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 52 $67,780,000 $1,303,462 $10,556 6.40%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 55 $64,945,000 $1,180,818 $6,652 6.35%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 42 $53,100,000 $1,264,286 $6,384 6.18%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 56 $52,830,000 $943,393 $5,958 6.44%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 30 $43,470,000 $1,449,000 $9,419 6.23%
    Hilo, HI (FHA|USDA|VA) 8 $42,770,000 $5,346,250 $9,312 6.22%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 34 $40,850,000 $1,201,471 $5,598 6.25%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 32 $40,440,000 $1,263,750 $6,645 6.42%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 33 $40,015,000 $1,212,576 $5,248 6.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 32 $39,610,000 $1,237,813 $11,592 6.23%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 21 $37,485,000 $1,785,000 $5,566 6.40%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 34 $36,520,000 $1,074,118 $6,527 6.36%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 26 $35,930,000 $1,381,923 $9,406 6.51%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 22 $34,920,000 $1,587,273 $6,445 6.19%
    Glenwood Springs, CO (FHA|USDA|VA) 10 $30,980,000 $3,098,000 $7,532 6.09%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 31 $29,935,000 $965,645 $4,861 6.53%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 14 $28,950,000 $2,067,857 $5,843 6.32%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 18 $27,270,000 $1,515,000 $6,898 6.27%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 31 $26,315,000 $848,871 $6,777 6.48%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 20 $25,430,000 $1,271,500 $8,660 6.69%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $23,050,000 $2,305,000 $9,287 6.31%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $22,715,000 $908,600 $7,428 6.46%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 18 $22,320,000 $1,240,000 $6,171 6.19%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 22 $21,650,000 $984,091 $5,908 6.47%
    Edwards, CO (FHA|USDA|VA) 6 $17,230,000 $2,871,667 $7,349 5.85%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $17,220,000 $956,667 $8,044 6.40%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $17,085,000 $1,139,000 $4,652 6.37%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $16,995,000 $1,133,000 $8,291 6.58%
    KNOXVILLE, TN (FHA|USDA|VA) 11 $16,985,000 $1,544,091 $7,356 6.36%
    BOULDER, CO (FHA|USDA|VA) 11 $14,955,000 $1,359,545 $5,650 6.45%
    Breckenridge, CO (FHA|USDA|VA) 7 $14,885,000 $2,126,429 $6,118 6.29%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 19 $14,455,000 $760,789 $4,368 6.41%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 18 $14,360,000 $797,778 $5,397 6.56%
    OCEAN CITY, NJ (FHA|USDA|VA) 7 $13,465,000 $1,923,571 $8,778 6.09%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 12 $13,440,000 $1,120,000 $5,557 6.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 19 $12,855,000 $676,579 $5,206 6.57%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 19 $12,715,000 $669,211 $5,323 6.53%
    COLUMBUS, OH (FHA|USDA|VA) 17 $12,545,000 $737,941 $5,179 6.40%
    BEND, OR (FHA|USDA|VA) 12 $12,070,000 $1,005,833 $5,723 6.44%
    SALISBURY, MD-DE (FHA|USDA|VA) 13 $11,775,000 $905,769 $5,702 6.44%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $11,760,000 $5,880,000 $9,636 6.06%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 9 $10,765,000 $1,196,111 $6,466 6.04%
    Key West, FL (FHA|USDA|VA) 7 $10,375,000 $1,482,143 $10,992 6.02%
    Laconia, NH (FHA|USDA|VA) 5 $10,355,000 $2,071,000 $8,637 6.33%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $10,120,000 $843,333 $4,980 6.51%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $9,695,000 $1,939,000 $8,216 6.53%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $9,245,000 $1,027,222 $6,827 6.42%
    RALEIGH-CARY, NC (FHA|USDA|VA) 13 $8,985,000 $691,154 $4,230 6.51%
    WILMINGTON, NC (FHA|USDA|VA) 9 $8,975,000 $997,222 $4,370 6.47%
    Cullowhee, NC (FHA|USDA|VA) 4 $8,750,000 $2,187,500 $8,018 6.19%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $8,715,000 $670,385 $3,479 6.61%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $8,325,000 $756,818 $5,106 6.60%
    RENO, NV (FHA|USDA|VA) 6 $8,220,000 $1,370,000 $4,557 6.23%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $8,200,000 $2,050,000 $7,397 6.00%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $7,845,000 $871,667 $6,449 6.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 13 $7,625,000 $586,538 $4,541 6.57%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $7,520,000 $1,253,333 $5,514 6.17%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $7,510,000 $1,251,667 $5,379 6.15%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 6 $7,510,000 $1,251,667 $4,970 6.23%
    SALT LAKE CITY, UT (FHA|USDA|VA) 6 $7,470,000 $1,245,000 $5,478 6.17%
    TUCSON, AZ (FHA|USDA|VA) 7 $7,365,000 $1,052,143 $7,860 6.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $7,190,000 $898,750 $8,559 6.53%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $7,160,000 $1,193,333 $6,570 6.17%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $7,095,000 $1,013,571 $8,041 6.20%
    Bozeman, MT (FHA|USDA|VA) 5 $6,985,000 $1,397,000 $6,572 6.03%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $6,925,000 $989,286 $5,724 6.11%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $6,655,000 $739,444 $5,779 6.65%
    SANTA FE, NM (FHA|USDA|VA) 6 $6,190,000 $1,031,667 $7,707 6.33%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 8 $6,140,000 $767,500 $4,635 6.42%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $5,970,000 $597,000 $4,077 6.63%
    BOISE CITY, ID (FHA|USDA|VA) 6 $5,850,000 $975,000 $7,482 6.33%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $5,685,000 $812,143 $3,023 6.43%
    Kalispell, MT (FHA|USDA|VA) 2 $5,680,000 $2,840,000 $11,261 5.88%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $5,530,000 $921,667 $6,653 6.40%
    SIOUX FALLS, SD (FHA|USDA|VA) 3 $5,295,000 $1,765,000 $5,777 6.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $5,230,000 $871,667 $4,803 6.44%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $5,070,000 $1,267,500 $5,872 6.47%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $12,295 6.50%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $4,830,000 $1,207,500 $7,489 6.25%
    ASHEVILLE, NC (FHA|USDA|VA) 6 $4,770,000 $795,000 $4,826 6.33%
    COLUMBIA, SC (FHA|USDA|VA) 5 $4,575,000 $915,000 $5,312 6.40%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $4,415,000 $1,471,667 $6,131 6.38%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $4,390,000 $1,097,500 $4,252 6.59%
    LOUISVILLE, KY (FHA|USDA|VA) 6 $4,010,000 $668,333 $4,198 6.79%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $3,895,000 $779,000 $4,209 6.55%
    Hailey, ID (FHA|USDA|VA) 3 $3,845,000 $1,281,667 $7,453 6.29%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $3,720,000 $1,860,000 $10,751 6.13%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 5 $3,705,000 $741,000 $5,494 6.58%
    PITTSFIELD, MA (FHA|USDA|VA) 4 $3,690,000 $922,500 $4,436 6.50%
    Lebanon, NH-VT (FHA|USDA|VA) 5 $3,645,000 $729,000 $4,890 6.35%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $3,470,000 $578,333 $5,303 6.42%
    BELLINGHAM, WA (FHA|USDA|VA) 6 $3,430,000 $571,667 $4,130 6.54%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $3,425,000 $685,000 $4,041 6.55%
    Traverse City, MI (FHA|USDA|VA) 3 $3,415,000 $1,138,333 $5,074 6.21%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $3,385,000 $3,385,000 $26,008 5.88%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $3,240,000 $810,000 $7,794 6.28%
    NILES, MI (FHA|USDA|VA) 5 $3,215,000 $643,000 $4,471 6.75%
    Kill Devil Hills, NC (FHA|USDA|VA) 6 $3,170,000 $528,333 $4,384 6.52%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $3,130,000 $521,667 $5,883 6.52%
    AKRON, OH (FHA|USDA|VA) 5 $3,065,000 $613,000 $4,189 6.55%
    Hudson, NY (FHA|USDA|VA) 3 $2,855,000 $951,667 $5,816 6.38%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $2,810,000 $1,405,000 $5,256 6.50%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $2,770,000 $1,385,000 $4,558 5.88%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $2,700,000 $675,000 $4,198 6.19%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $2,680,000 $1,340,000 $4,912 6.06%
    RICHMOND, VA (FHA|USDA|VA) 3 $2,655,000 $885,000 $6,112 6.67%
    Athens, TX (FHA|USDA|VA) 3 $2,595,000 $865,000 $8,408 6.29%
    SYRACUSE, NY (FHA|USDA|VA) 2 $2,540,000 $1,270,000 $6,384 5.88%
    Oak Harbor, WA (FHA|USDA|VA) 3 $2,525,000 $841,667 $4,089 6.58%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $2,525,000 $841,667 $5,903 6.17%
    MIDLAND, TX (FHA|USDA|VA) 3 $2,495,000 $831,667 $9,066 6.17%
    SALINAS, CA (FHA|USDA|VA) 2 $2,430,000 $1,215,000 $5,439 5.88%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $2,375,000 $791,667 $5,073 6.67%
    Durango, CO (FHA|USDA|VA) 2 $2,360,000 $1,180,000 $6,023 6.81%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $2,340,000 $585,000 $4,263 6.16%
    PROVO-OREM, UT (FHA|USDA|VA) 3 $2,265,000 $755,000 $4,558 6.25%
    Morehead City, NC (FHA|USDA|VA) 3 $2,175,000 $725,000 $4,700 6.54%
    Bennington, VT (FHA|USDA|VA) 4 $2,140,000 $535,000 $5,988 6.31%
    YUMA, AZ (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $4,570 7.13%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $1,990,000 $995,000 $8,505 6.13%
    Kapaa, HI (FHA|USDA|VA) 1 $1,935,000 $1,935,000 $6,502 5.75%
    Keene, NH (FHA|USDA|VA) 2 $1,910,000 $955,000 $4,763 6.13%
    WICHITA, KS (FHA|USDA|VA) 2 $1,900,000 $950,000 $4,282 5.81%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $1,880,000 $940,000 $4,716 6.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,815,000 $605,000 $3,646 6.42%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $1,810,000 $905,000 $5,191 5.81%
    Fergus Falls, MN (FHA|USDA|VA) 2 $1,810,000 $905,000 $4,173 6.44%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,805,000 $601,667 $3,181 6.46%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $1,770,000 $885,000 $6,936 6.75%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $1,665,000 $1,665,000 $7,010 6.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $1,665,000 $555,000 $4,322 6.29%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $1,520,000 $760,000 $3,836 6.69%
    LINCOLN, NE (FHA|USDA|VA) 2 $1,510,000 $755,000 $4,359 6.50%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $1,415,000 $471,667 $3,488 6.58%
    NAPA, CA (FHA|USDA|VA) 2 $1,410,000 $705,000 $6,199 7.13%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $4,742 6.25%
    Ellensburg, WA (FHA|USDA|VA) 2 $1,290,000 $645,000 $3,969 6.50%
    IDAHO FALLS, ID (FHA|USDA|VA) 2 $1,250,000 $625,000 $5,849 6.44%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $1,230,000 $615,000 $6,230 6.75%
    ROME, GA (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $6,666 6.13%
    GREEN BAY, WI (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $3,780 6.13%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $1,160,000 $580,000 $3,899 6.56%
    Ruidoso, NM (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $2,956 6.75%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $1,140,000 $570,000 $3,598 6.94%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $1,130,000 $565,000 $4,793 6.25%
    YAKIMA, WA (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $5,002 6.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $8,239 6.00%
    Shelton, WA (FHA|USDA|VA) 2 $1,110,000 $555,000 $4,214 7.06%
    TOLEDO, OH (FHA|USDA|VA) 2 $1,100,000 $550,000 $5,450 6.52%
    Sandusky, OH (FHA|USDA|VA) 2 $1,090,000 $545,000 $4,521 6.25%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $1,080,000 $540,000 $5,326 7.19%
    CASPER, WY (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,940 6.88%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $1,060,000 $530,000 $4,589 6.56%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $3,666 5.50%
    Seneca, SC (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,750 6.56%
    ANCHORAGE, AK (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,890 6.56%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $965,000 $965,000 $4,404 6.38%
    MADISON, WI (FHA|USDA|VA) 2 $950,000 $475,000 $3,553 7.06%
    GREELEY, CO (FHA|USDA|VA) 2 $950,000 $475,000 $3,562 6.75%
    ROANOKE, VA (FHA|USDA|VA) 2 $910,000 $455,000 $4,139 6.94%
    Georgetown, SC (FHA|USDA|VA) 1 $905,000 $905,000 $5,498 5.75%
    Coos Bay, OR (FHA|USDA|VA) 1 $905,000 $905,000 $5,069 6.00%
    TYLER, TX (FHA|USDA|VA) 1 $905,000 $905,000 $8,417 6.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $900,000 $450,000 $3,882 6.56%
    SAVANNAH, GA (FHA|USDA|VA) 2 $900,000 $450,000 $5,911 6.50%
    Easton, MD (FHA|USDA|VA) 1 $875,000 $875,000 $8,854 6.50%
    COLUMBUS, IN (FHA|USDA|VA) 1 $855,000 $855,000 $3,679 6.75%
    Helena, MT (FHA|USDA|VA) 1 $855,000 $855,000 $6,068 5.88%
    Mineral Wells, TX (FHA|USDA|VA) 1 $855,000 $855,000 $6,465 6.63%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $845,000 $845,000 $7,546 6.00%
    Outside of Metro Areas 1 $825,000 $825,000 $4,508 6.00%
    OCALA, FL (FHA|USDA|VA) 2 $810,000 $405,000 $6,241 7.06%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $805,000 $805,000 $5,091 5.88%
    Boone, NC (FHA|USDA|VA) 1 $795,000 $795,000 $12,542 6.38%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $790,000 $395,000 $3,304 7.13%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $775,000 $775,000 $4,637 6.75%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $775,000 $775,000 $4,928 6.63%
    Angola, IN (FHA|USDA|VA) 1 $775,000 $775,000 $3,368 6.25%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $765,000 $765,000 $4,854 6.13%
    TULSA, OK (FHA|USDA|VA) 1 $765,000 $765,000 $5,942 6.00%
    NEW BERN, NC (FHA|USDA|VA) 1 $765,000 $765,000 $3,273 6.63%
    Prineville, OR (FHA|USDA|VA) 1 $745,000 $745,000 $4,856 7.25%
    Paris, TX (FHA|USDA|VA) 1 $665,000 $665,000 $6,991 6.50%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $650,000 $325,000 $5,664 6.81%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $620,000 $310,000 $5,212 6.50%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $615,000 $615,000 $4,590 6.50%
    READING, PA (FHA|USDA|VA) 1 $605,000 $605,000 $7,026 6.88%
    ITHACA, NY (FHA|USDA|VA) 1 $595,000 $595,000 $7,232 6.50%
    VALLEJO, CA (FHA|USDA|VA) 2 $590,000 $295,000 $3,148 7.44%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $590,000 $295,000 $3,571 7.63%
    Olean, NY (FHA|USDA|VA) 1 $565,000 $565,000 $5,086 5.75%
    Rutland, VT (FHA|USDA|VA) 1 $555,000 $555,000 $0 6.63%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $555,000 $555,000 $5,979 5.88%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $535,000 $535,000 $3,579 6.38%
    Whitewater, WI (FHA|USDA|VA) 1 $535,000 $535,000 $4,395 7.00%
    Malone, NY (FHA|USDA|VA) 1 $505,000 $505,000 $4,702 6.88%
    Oxford, MS (FHA|USDA|VA) 1 $505,000 $505,000 $4,521 6.25%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $505,000 $505,000 $4,902 6.13%
    WACO, TX (FHA|USDA|VA) 1 $505,000 $505,000 $5,894 6.38%
    Washington, NC (FHA|USDA|VA) 1 $485,000 $485,000 $4,221 6.50%
    FARGO, ND-MN (FHA|USDA|VA) 1 $485,000 $485,000 $4,185 6.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $465,000 $465,000 $3,025 6.50%
    Concord, NH (FHA|USDA|VA) 1 $455,000 $455,000 $3,805 6.38%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $455,000 $455,000 $4,484 6.88%
    Paducah, KY-IL (FHA|USDA|VA) 1 $445,000 $445,000 $4,311 6.75%
    MISSOULA, MT (FHA|USDA|VA) 1 $445,000 $445,000 $4,852 7.50%
    Lexington, NE (FHA|USDA|VA) 1 $415,000 $415,000 $2,722 6.88%
    Sturgis, MI (FHA|USDA|VA) 1 $415,000 $415,000 $3,695 6.38%
    Brainerd, MN (FHA|USDA|VA) 1 $395,000 $395,000 $4,195 6.38%
    Juneau, AK (FHA|USDA|VA) 1 $385,000 $385,000 $4,508 7.00%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $370,000 $185,000 $4,849 7.19%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $365,000 $365,000 $4,402 7.00%
    Port Angeles, WA (FHA|USDA|VA) 1 $355,000 $355,000 $3,925 6.38%
    CORVALLIS, OR (FHA|USDA|VA) 1 $345,000 $345,000 $3,531 6.50%
    ROCHESTER, NY (FHA|USDA|VA) 1 $335,000 $335,000 $5,066 7.38%
    Crossville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,771 7.38%
    Marquette, MI (FHA|USDA|VA) 1 $315,000 $315,000 $3,190 6.75%
    ERIE, PA (FHA|USDA|VA) 1 $295,000 $295,000 $5,754 6.88%
    Jefferson, GA (FHA|USDA|VA) 1 $275,000 $275,000 $3,665 7.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,230 6.13%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $275,000 $275,000 $3,628 6.25%
    Moses Lake, WA (FHA|USDA|VA) 1 $265,000 $265,000 $3,320 7.13%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $265,000 $265,000 $3,503 7.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $255,000 $255,000 $3,525 7.13%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,732 6.75%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,138 7.13%
    Adrian, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,429 7.13%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $225,000 $225,000 $3,660 7.75%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $225,000 $225,000 $3,433 6.88%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,114 7.13%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,001 7.38%
    Orangeburg, SC (FHA|USDA|VA) 1 $205,000 $205,000 $3,692 7.13%
    Show Low, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $2,735 8.25%
    Pottsville, PA (FHA|USDA|VA) 1 $185,000 $185,000 $4,136 7.75%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $3,133 7.50%
    Huntington, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,549 8.13%
    OWENSBORO, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,320 7.38%
    Ubs Bank Usa's top markets include New York, Los Angeles, Miami, Boston, and San Francisco among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,537 $3,472,565,000 $1,368,768 $7,195 6.36%

    For 2024, Ubs Bank Usa's most frequently originated type of loan was Conventional, with 2,537 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,710 $2,152,410,000 $1,258,719 $7,459 6.37%
    Other 641 $951,545,000 $1,484,470 $6,201 6.35%
    Cash Out Refi 102 $216,390,000 $2,121,471 $8,802 6.31%
    Refi 84 $152,220,000 $1,812,143 $7,260 6.35%

    For 2024, Ubs Bank Usa's most frequently cited loan purpose was Home Purchase, with 1,710 originations. The 2nd most popular reason was Other, with 641 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,506 $3,434,880,000 $1,370,662 $7,212 6.36%
    15 Year 16 $12,910,000 $806,875 $5,956 6.55%
    20 Year 9 $11,315,000 $1,257,222 $6,088 6.43%
    10 Year 4 $3,150,000 $787,500 $4,600 6.50%
    3 Year 1 $10,005,000 $10,005,000 $0 5.97%
    Other 1 $305,000 $305,000 $3,199 6.88%

    For 2024, Ubs Bank Usa's most frequently cited loan duration was 30 Year, with 2,506 originations. The 2nd most popular length was 15 Year, with 16 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,335 $3,211,605,000 $1,375,420
    $5k+ 36 $51,820,000 $1,439,444
    $1k-2k 10 $5,550,000 $555,000
    $2k-3k 10 $6,870,000 $687,000
    $3k-4k 8 $6,600,000 $825,000
    $4k-5k 4 $4,630,000 $1,157,500

    Ubs Bank Usa's average total fees were $7,212, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,335 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,712 $2,050,720,000 $1,197,850
    5-6% 663 $1,330,565,000 $2,006,885
    7-8% 147 $68,355,000 $465,000
    Over 8% 8 $1,510,000 $188,750
    4-5% 7 $21,415,000 $3,059,286

    During 2024, Ubs Bank Usa's average interest rate for loans was 6.36%, while their most frequently originated rate bucket for loans was 6-7%, with 1,712 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 1,113 $2,586,335,000 $2,323,751 $9,574 6.17%
    $600k-1MM 780 $617,910,000 $792,192 $5,784 6.30%
    $400k-600k 381 $194,145,000 $509,567 $5,000 6.61%
    $200k-400k 236 $70,190,000 $297,415 $4,257 6.91%
    $100k-200k 26 $3,890,000 $149,615 $3,681 7.67%
    $100,000 or less 1 $95,000 $95,000 $3,479 6.75%

    2024 saw Ubs Bank Usa place emphasis on $1MM+ loans with 1,113 originations, totaling $2,586,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,977 $3,102,805,000 $1,569,451 $7,859 6.27%
    $150k-250k 368 $217,030,000 $589,755 $5,094 6.60%
    $100k-150k 120 $43,340,000 $361,167 $4,332 6.86%
    $75k-100k 29 $7,965,000 $274,655 $4,005 7.04%
    $50k-75k 18 $5,130,000 $285,000 $4,040 7.11%
    $50k or less 1 $105,000 $105,000 $3,307 7.25%

    Ubs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 1,977 originations. The second most popular income band? $150k-250k, with 368 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 462 $534,590,000 $1,157,121 $6,760 6.35%
    30-36% 421 $523,685,000 $1,243,907 $6,865 6.36%
    <20% 240 $364,840,000 $1,520,167 $7,595 6.31%
    44% 141 $159,905,000 $1,134,078 $6,521 6.46%
    50-60% 138 $294,520,000 $2,134,203 $9,316 6.14%
    42% 121 $137,565,000 $1,136,901 $6,768 6.42%
    43% 111 $130,395,000 $1,174,730 $7,836 6.45%
    39% 109 $123,385,000 $1,131,972 $6,500 6.35%
    41% 108 $138,280,000 $1,280,370 $6,520 6.40%
    40% 107 $132,035,000 $1,233,972 $7,057 6.32%
    38% 104 $149,700,000 $1,439,423 $7,682 6.42%
    37% 96 $115,170,000 $1,199,688 $6,854 6.42%
    36% 92 $107,570,000 $1,169,239 $7,328 6.38%
    48% 54 $77,600,000 $1,437,037 $7,142 6.37%
    46% 52 $76,550,000 $1,472,115 $7,484 6.36%
    47% 52 $110,730,000 $2,129,423 $8,889 6.23%
    49% 52 $62,430,000 $1,200,577 $6,523 6.44%
    45% 44 $100,540,000 $2,285,000 $8,459 6.50%
    >60% 16 $49,160,000 $3,072,500 $10,347 6.34%

    Ubs Bank Usa lent most frequently to those with DTI ratios of 20-30%, with 462 originations. The next most common DTI ratio? 30-36%, with 421 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,018 $2,587,060,000 $1,281,992 $6,988 6.37%
    Not provided 346 $538,940,000 $1,557,630 $7,918 6.32%
    Asian 62 $97,670,000 $1,575,323 $8,092 6.25%
    Not applicable 22 $93,230,000 $4,237,727 $5,049 6.23%
    Black 36 $86,150,000 $2,393,056 $12,157 6.34%
    Asian Indian 26 $37,130,000 $1,428,077 $6,199 6.28%
    American Indian 7 $9,655,000 $1,379,286 $6,556 6.38%
    Filipino 3 $6,405,000 $2,135,000 $7,423 6.17%
    Chinese 5 $4,885,000 $977,000 $6,893 6.35%
    Japanese 4 $4,310,000 $1,077,500 $9,045 6.34%
    Native Hawaiian or Islander 4 $3,170,000 $792,500 $4,242 6.84%
    Korean 2 $1,530,000 $765,000 $4,527 6.63%
    Native Hawaiian 1 $1,485,000 $1,485,000 $3,745 6.50%
    Vietnamese 1 $945,000 $945,000 $8,288 6.25%

    Approval Rates

    Total approvals of all applications
    94.18%

    Ubs Bank Usa has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.41%

    Ubs Bank Usa has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,537 $3,472,565,000 $1,368,768

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,537 $3,472,565,000 $1,368,768

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 184 $200,210,000 $1,088,098 $6,544 6.37%
    40-60% 460 $690,950,000 $1,502,065 $7,523 6.34%
    60-80% 1,135 $1,692,205,000 $1,490,930 $7,553 6.34%
    80-100% 738 $876,460,000 $1,187,615 $6,663 6.38%
    Under 20% 20 $12,740,000 $637,000 $5,157 6.67%