Ubs Bank Usa Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 549300GWD9H4FQ2VR805

Tax ID: 87-0477597

5 stars - Updated: 2/19/24 - out of 5 stars, based on 70 reviews

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

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Mortgage Data

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, San Francisco, and Dallas among others. We have data for 310 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 an average 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 5.87% 2/19/24
30 Year Conventional Refi 6.18% 2/19/24
30 Year Cash-out Refi 6.23% 2/19/24
15 Year Conventional Purchase 5.68% 2/19/24
15 Year Conventional Refi 5.98% 2/19/24
15 Year Cash-out Refi 5.98% 2/19/24
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

4,960

Origination Dollar Volume (All Markets)

$6,881,900,000
Show all (69) awards

Relative Rate

Ubs Bank Usa's average 30 year fixed mortgage rate was 3.66%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -1.1%.

Relative Fees (Closing Costs)

Ubs Bank Usa's average total fees/closing costs for a 30 year fixed rate mortgage were $7,564.

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 $4,750.

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) 615 $963,675,000 $1,566,951 $9,083 3.49%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 368 $692,830,000 $1,882,690 $7,916 3.51%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 292 $619,050,000 $2,120,034 $13,024 3.39%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 166 $273,740,000 $1,649,036 $6,230 3.49%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 116 $230,440,000 $1,986,552 $10,834 3.68%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 90 $156,550,000 $1,739,444 $6,105 3.46%
Outside of Metro Areas 116 $150,860,000 $1,300,517 $6,744 3.66%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 127 $138,415,000 $1,089,882 $6,729 3.63%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 125 $137,815,000 $1,102,520 $5,198 3.81%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 114 $136,440,000 $1,196,842 $7,074 3.53%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 142 $135,930,000 $957,254 $4,523 3.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 111 $132,985,000 $1,198,063 $6,480 3.60%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 74 $129,480,000 $1,749,730 $5,582 3.76%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 82 $125,710,000 $1,533,049 $8,632 3.71%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 59 $107,735,000 $1,826,017 $11,761 3.47%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 91 $103,505,000 $1,137,418 $10,914 3.60%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 112 $102,780,000 $917,679 $5,945 3.74%
Heber, UT (FHA|USDA|VA) 39 $102,545,000 $2,629,359 $7,987 3.29%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 83 $99,595,000 $1,199,940 $10,163 3.71%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 39 $84,795,000 $2,174,231 $6,154 3.51%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 63 $72,905,000 $1,157,222 $6,429 3.76%
Glenwood Springs, CO (FHA|USDA|VA) 16 $70,520,000 $4,407,500 $19,079 3.30%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 39 $68,315,000 $1,751,667 $5,899 3.46%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 53 $67,775,000 $1,278,774 $5,890 3.56%
Edwards, CO (FHA|USDA|VA) 18 $60,070,000 $3,337,222 $10,106 3.24%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 30 $56,470,000 $1,882,333 $5,586 3.69%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 56 $52,950,000 $945,536 $5,100 4.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 52 $52,250,000 $1,004,808 $5,810 3.67%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 24 $52,190,000 $2,174,583 $6,878 3.33%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 52 $51,140,000 $983,462 $7,766 3.68%
Jackson, WY-ID (FHA|USDA|VA) 14 $49,630,000 $3,545,000 $11,889 3.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 52 $48,090,000 $924,808 $7,533 3.72%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 12 $47,340,000 $3,945,000 $16,332 3.42%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 41 $47,305,000 $1,153,780 $7,914 3.31%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 47 $46,475,000 $988,830 $7,378 3.93%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 22 $44,040,000 $2,001,818 $11,876 3.60%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $43,830,000 $4,383,000 $6,121 3.99%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 35 $39,375,000 $1,125,000 $6,058 3.82%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 25 $39,355,000 $1,574,200 $6,972 3.43%
JACKSONVILLE, FL (FHA|USDA|VA) 39 $38,435,000 $985,513 $7,107 4.02%
BOULDER, CO (FHA|USDA|VA) 21 $32,395,000 $1,542,619 $6,941 3.49%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 36 $30,710,000 $853,056 $4,788 3.67%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 21 $28,635,000 $1,363,571 $7,982 3.65%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 41 $27,255,000 $664,756 $4,138 3.91%
Kapaa, HI (FHA|USDA|VA) 9 $27,035,000 $3,003,889 $10,998 3.11%
Outside of Metro Areas 12 $26,650,000 $2,220,833 $10,905 3.81%
SALINAS, CA (FHA|USDA|VA) 18 $26,420,000 $1,467,778 $5,154 3.58%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 20 $24,670,000 $1,233,500 $6,676 3.81%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 16 $23,860,000 $1,491,250 $7,280 3.87%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 34 $23,470,000 $690,294 $5,567 3.86%
TULSA, OK (FHA|USDA|VA) 8 $23,060,000 $2,882,500 $4,667 3.73%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 19 $22,985,000 $1,209,737 $6,248 4.01%
Key West, FL (FHA|USDA|VA) 11 $22,195,000 $2,017,727 $11,180 2.99%
OCEAN CITY, NJ (FHA|USDA|VA) 12 $22,040,000 $1,836,667 $11,560 3.67%
Bozeman, MT (FHA|USDA|VA) 16 $21,440,000 $1,340,000 $7,100 3.59%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 28 $21,230,000 $758,214 $5,446 4.10%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 15 $19,015,000 $1,267,667 $6,428 3.56%
RENO, NV (FHA|USDA|VA) 13 $18,885,000 $1,452,692 $6,102 3.14%
Breckenridge, CO (FHA|USDA|VA) 12 $18,660,000 $1,555,000 $7,134 3.72%
NAPA, CA (FHA|USDA|VA) 11 $17,725,000 $1,611,364 $7,656 3.55%
PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $17,450,000 $1,246,429 $10,231 3.83%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 16 $16,850,000 $1,053,125 $10,368 3.77%
Vineyard Haven, MA (FHA|USDA|VA) 7 $16,635,000 $2,376,429 $6,021 3.36%
ST. LOUIS, MO-IL (FHA|USDA|VA) 13 $16,495,000 $1,268,846 $4,960 3.54%
SANTA FE, NM (FHA|USDA|VA) 19 $16,265,000 $856,053 $5,999 4.26%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 26 $14,240,000 $547,692 $4,819 3.85%
COLUMBUS, OH (FHA|USDA|VA) 27 $14,135,000 $523,519 $4,518 3.80%
BEND, OR (FHA|USDA|VA) 16 $12,110,000 $756,875 $6,256 3.95%
KANSAS CITY, MO-KS (FHA|USDA|VA) 16 $11,850,000 $740,625 $3,514 3.89%
URBAN HONOLULU, HI (FHA|USDA|VA) 9 $11,435,000 $1,270,556 $7,411 3.18%
Torrington, CT (FHA|USDA|VA) 7 $10,885,000 $1,555,000 $9,993 3.55%
TUCSON, AZ (FHA|USDA|VA) 17 $10,875,000 $639,706 $4,422 3.32%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 16 $10,500,000 $656,250 $4,364 3.80%
Truckee-Grass Valley, CA (FHA|USDA|VA) 8 $10,410,000 $1,301,250 $5,469 4.00%
Steamboat Springs, CO (FHA|USDA|VA) 9 $10,315,000 $1,146,111 $5,420 3.38%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 12 $10,250,000 $854,167 $4,239 3.93%
RALEIGH-CARY, NC (FHA|USDA|VA) 13 $10,185,000 $783,462 $4,707 3.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 12 $9,880,000 $823,333 $4,268 3.83%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 14 $9,600,000 $685,714 $4,532 4.05%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 10 $9,570,000 $957,000 $4,963 4.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 9 $9,395,000 $1,043,889 $7,396 3.57%
SALISBURY, MD-DE (FHA|USDA|VA) 13 $9,195,000 $707,308 $6,061 4.23%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 11 $9,115,000 $828,636 $3,633 3.75%
BOISE CITY, ID (FHA|USDA|VA) 10 $8,930,000 $893,000 $8,013 4.03%
WILMINGTON, NC (FHA|USDA|VA) 10 $8,770,000 $877,000 $4,755 3.53%
Hailey, ID (FHA|USDA|VA) 5 $8,725,000 $1,745,000 $10,658 4.13%
RICHMOND, VA (FHA|USDA|VA) 13 $7,865,000 $605,000 $4,670 3.67%
PITTSBURGH, PA (FHA|USDA|VA) 14 $7,800,000 $557,143 $6,321 4.23%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $7,505,000 $1,501,000 $7,514 3.98%
SALT LAKE CITY, UT (FHA|USDA|VA) 11 $7,455,000 $677,727 $4,262 3.84%
BELLINGHAM, WA (FHA|USDA|VA) 6 $7,220,000 $1,203,333 $10,034 3.79%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $7,185,000 $1,026,429 $4,964 2.82%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $7,025,000 $540,385 $7,201 3.84%
Oak Harbor, WA (FHA|USDA|VA) 5 $6,905,000 $1,381,000 $4,972 4.48%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 11 $6,695,000 $608,636 $4,194 4.32%
Cullowhee, NC (FHA|USDA|VA) 3 $6,685,000 $2,228,333 $9,530 3.21%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 10 $6,620,000 $662,000 $3,578 3.88%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $6,575,000 $939,286 $5,595 4.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $6,320,000 $1,580,000 $6,804 3.41%
FORT COLLINS, CO (FHA|USDA|VA) 9 $6,285,000 $698,333 $4,117 4.24%
ST. GEORGE, UT (FHA|USDA|VA) 3 $6,275,000 $2,091,667 $6,991 2.63%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $6,215,000 $1,243,000 $9,316 4.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $6,030,000 $3,015,000 $9,711 3.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $5,935,000 $847,857 $4,272 3.91%
ANN ARBOR, MI (FHA|USDA|VA) 8 $5,850,000 $731,250 $4,311 4.52%
Laconia, NH (FHA|USDA|VA) 4 $5,540,000 $1,385,000 $4,845 3.28%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $5,530,000 $691,250 $4,234 3.89%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $5,435,000 $603,889 $5,413 4.29%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 7 $5,395,000 $770,714 $6,610 3.73%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $5,170,000 $861,667 $5,154 3.77%
Ellensburg, WA (FHA|USDA|VA) 5 $5,095,000 $1,019,000 $4,715 3.00%
WORCESTER, MA-CT (FHA|USDA|VA) 7 $5,005,000 $715,000 $5,436 3.77%
ASHEVILLE, NC (FHA|USDA|VA) 7 $4,975,000 $710,714 $4,458 3.79%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $4,925,000 $985,000 $5,880 4.03%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $4,680,000 $1,170,000 $15,007 3.44%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $4,665,000 $933,000 $4,314 3.48%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $4,420,000 $736,667 $6,220 3.58%
Brainerd, MN (FHA|USDA|VA) 4 $4,360,000 $1,090,000 $4,374 4.22%
KINGSTON, NY (FHA|USDA|VA) 5 $4,185,000 $837,000 $8,883 3.55%
Lebanon, NH-VT (FHA|USDA|VA) 4 $4,090,000 $1,022,500 $6,515 3.81%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $3,940,000 $656,667 $7,649 4.21%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $3,805,000 $761,000 $4,029 4.43%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $3,785,000 $757,000 $3,908 3.78%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $3,715,000 $530,714 $4,752 3.55%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $3,705,000 $1,235,000 $5,419 3.08%
BRUNSWICK, GA (FHA|USDA|VA) 3 $3,705,000 $1,235,000 $6,027 4.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $3,595,000 $719,000 $5,159 3.95%
Boone, NC (FHA|USDA|VA) 5 $3,485,000 $697,000 $4,557 4.13%
TOLEDO, OH (FHA|USDA|VA) 5 $3,265,000 $653,000 $3,547 3.83%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $3,100,000 $516,667 $3,953 4.54%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $3,075,000 $1,025,000 $5,744 4.00%
MADISON, WI (FHA|USDA|VA) 4 $3,010,000 $752,500 $4,958 3.78%
AKRON, OH (FHA|USDA|VA) 5 $2,995,000 $599,000 $4,749 4.25%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $2,960,000 $740,000 $4,559 4.75%
ROCHESTER, NY (FHA|USDA|VA) 5 $2,805,000 $561,000 $6,272 3.85%
Traverse City, MI (FHA|USDA|VA) 3 $2,765,000 $921,667 $7,218 2.79%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $2,760,000 $1,380,000 $6,026 4.13%
NILES, MI (FHA|USDA|VA) 4 $2,750,000 $687,500 $4,196 4.06%
MORRISTOWN, TN (FHA|USDA|VA) 4 $2,750,000 $687,500 $4,717 4.38%
Durango, CO (FHA|USDA|VA) 2 $2,740,000 $1,370,000 $4,451 3.19%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $2,665,000 $533,000 $7,057 4.55%
Astoria, OR (FHA|USDA|VA) 1 $2,605,000 $2,605,000 $10,556 2.75%
Fredericksburg, TX (FHA|USDA|VA) 3 $2,585,000 $861,667 $5,370 4.33%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $2,530,000 $1,265,000 $6,548 3.94%
Holland, MI (FHA|USDA|VA) 3 $2,525,000 $841,667 $4,329 3.38%
Roseburg, OR (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $13,931 2.63%
TYLER, TX (FHA|USDA|VA) 3 $2,485,000 $828,333 $7,948 4.33%
Warsaw, IN (FHA|USDA|VA) 3 $2,415,000 $805,000 $3,439 4.21%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $2,380,000 $1,190,000 $5,378 3.63%
Seneca, SC (FHA|USDA|VA) 2 $2,310,000 $1,155,000 $6,099 4.56%
THE VILLAGES, FL (FHA|USDA|VA) 5 $2,295,000 $459,000 $4,516 3.35%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $2,280,000 $570,000 $3,855 3.94%
LINCOLN, NE (FHA|USDA|VA) 3 $2,275,000 $758,333 $2,986 3.21%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $2,150,000 $537,500 $6,252 4.03%
Hudson, NY (FHA|USDA|VA) 4 $2,120,000 $530,000 $6,739 3.28%
Hilo, HI (FHA|USDA|VA) 3 $2,115,000 $705,000 $6,447 3.21%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $1,995,000 $665,000 $6,536 3.54%
Whitewater, WI (FHA|USDA|VA) 2 $1,950,000 $975,000 $3,721 3.38%
Georgetown, SC (FHA|USDA|VA) 3 $1,775,000 $591,667 $5,092 4.58%
COLUMBIA, SC (FHA|USDA|VA) 3 $1,735,000 $578,333 $5,892 3.83%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $1,690,000 $845,000 $4,365 3.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,675,000 $558,333 $4,314 4.33%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $1,650,000 $825,000 $7,436 3.00%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $1,610,000 $805,000 $4,604 3.25%
Gainesville, TX (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $13,044 2.25%
Adrian, MI (FHA|USDA|VA) 2 $1,540,000 $770,000 $4,377 4.06%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,535,000 $511,667 $3,952 3.88%
ST. CLOUD, MN (FHA|USDA|VA) 2 $1,510,000 $755,000 $4,605 3.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,510,000 $377,500 $4,309 4.63%
MIDLAND, TX (FHA|USDA|VA) 3 $1,505,000 $501,667 $6,500 4.29%
GREELEY, CO (FHA|USDA|VA) 3 $1,485,000 $495,000 $3,365 4.46%
Kalispell, MT (FHA|USDA|VA) 2 $1,470,000 $735,000 $9,899 5.06%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $1,450,000 $725,000 $4,974 2.94%
Sandpoint, ID (FHA|USDA|VA) 2 $1,450,000 $725,000 $5,425 3.00%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $11,212 2.63%
PANAMA CITY, FL (FHA|USDA|VA) 2 $1,420,000 $710,000 $7,287 3.81%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $1,410,000 $705,000 $5,329 4.06%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,385,000 $461,667 $3,813 4.54%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,335,000 $445,000 $6,389 4.33%
Hood River, OR (FHA|USDA|VA) 2 $1,330,000 $665,000 $4,856 3.25%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $1,320,000 $660,000 $4,588 4.19%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $1,320,000 $660,000 $4,556 3.13%
Taos, NM (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $6,167 2.38%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $1,260,000 $630,000 $5,700 3.31%
Mineral Wells, TX (FHA|USDA|VA) 1 $1,255,000 $1,255,000 $10,576 4.25%
VALLEJO, CA (FHA|USDA|VA) 2 $1,240,000 $620,000 $4,976 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $1,230,000 $615,000 $4,054 4.25%
SALEM, OR (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,325 4.69%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,175,000 $391,667 $3,570 3.33%
PITTSFIELD, MA (FHA|USDA|VA) 2 $1,160,000 $580,000 $5,380 3.50%
Somerset, PA (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $13,662 2.63%
Oxford, MS (FHA|USDA|VA) 2 $1,150,000 $575,000 $4,712 2.44%
Aberdeen, WA (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $5,785 5.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $1,120,000 $280,000 $3,117 5.00%
Athens, TX (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $10,537 4.50%
SPARTANBURG, SC (FHA|USDA|VA) 2 $1,110,000 $555,000 $4,338 3.75%
Easton, MD (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $5,027 3.88%
LOUISVILLE, KY (FHA|USDA|VA) 2 $1,100,000 $550,000 $4,227 3.69%
LONGVIEW, WA (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $6,329 3.88%
LOGAN, UT-ID (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $4,893 3.38%
Port Lavaca, TX (FHA|USDA|VA) 2 $1,070,000 $535,000 $8,813 3.31%
Concord, NH (FHA|USDA|VA) 2 $1,050,000 $525,000 $4,079 4.06%
MODESTO, CA (FHA|USDA|VA) 1 $965,000 $965,000 $5,255 4.50%
KNOXVILLE, TN (FHA|USDA|VA) 2 $930,000 $465,000 $4,048 4.00%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $910,000 $455,000 $5,175 2.94%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $910,000 $455,000 $6,641 5.06%
LYNCHBURG, VA (FHA|USDA|VA) 1 $905,000 $905,000 $5,341 3.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $905,000 $905,000 $4,009 4.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $890,000 $445,000 $2,971 4.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $885,000 $885,000 $5,081 2.75%
Crossville, TN (FHA|USDA|VA) 2 $830,000 $415,000 $3,872 3.81%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $810,000 $405,000 $4,775 4.63%
FRESNO, CA (FHA|USDA|VA) 2 $810,000 $405,000 $3,524 4.13%
JONESBORO, AR (FHA|USDA|VA) 1 $805,000 $805,000 $4,393 4.38%
MISSOULA, MT (FHA|USDA|VA) 1 $805,000 $805,000 $5,595 2.63%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $805,000 $805,000 $7,943 4.75%
GAINESVILLE, GA (FHA|USDA|VA) 1 $785,000 $785,000 $5,393 3.75%
Rockport, TX (FHA|USDA|VA) 2 $780,000 $390,000 $5,655 3.81%
Pullman, WA (FHA|USDA|VA) 1 $775,000 $775,000 $3,523 4.13%
NEW BERN, NC (FHA|USDA|VA) 1 $775,000 $775,000 $6,256 5.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $770,000 $385,000 $5,275 3.94%
Forest City, NC (FHA|USDA|VA) 1 $755,000 $755,000 $4,779 3.88%
MEDFORD, OR (FHA|USDA|VA) 2 $750,000 $375,000 $4,424 3.31%
LAFAYETTE, LA (FHA|USDA|VA) 2 $750,000 $375,000 $4,412 4.06%
Cedar City, UT (FHA|USDA|VA) 1 $735,000 $735,000 $3,905 2.75%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $730,000 $365,000 $4,572 4.25%
ROANOKE, VA (FHA|USDA|VA) 2 $730,000 $365,000 $4,413 5.13%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $725,000 $725,000 $3,419 4.25%
VISALIA, CA (FHA|USDA|VA) 2 $720,000 $360,000 $3,422 3.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $720,000 $360,000 $3,717 3.88%
Palatka, FL (FHA|USDA|VA) 1 $705,000 $705,000 $4,294 3.13%
DOTHAN, AL (FHA|USDA|VA) 1 $705,000 $705,000 $4,471 3.50%
GAINESVILLE, FL (FHA|USDA|VA) 2 $700,000 $350,000 $4,864 4.06%
EL CENTRO, CA (FHA|USDA|VA) 1 $695,000 $695,000 $2,926 2.75%
Oneonta, NY (FHA|USDA|VA) 1 $695,000 $695,000 $6,225 3.88%
BATON ROUGE, LA (FHA|USDA|VA) 2 $690,000 $345,000 $5,134 4.88%
REDDING, CA (FHA|USDA|VA) 1 $685,000 $685,000 $4,600 5.25%
Morehead City, NC (FHA|USDA|VA) 1 $675,000 $675,000 $3,397 4.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $665,000 $665,000 $4,055 4.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $665,000 $665,000 $4,526 3.88%
WICHITA, KS (FHA|USDA|VA) 1 $655,000 $655,000 $3,462 2.75%
Payson, AZ (FHA|USDA|VA) 1 $645,000 $645,000 $5,820 4.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $640,000 $320,000 $3,643 6.00%
Cullman, AL (FHA|USDA|VA) 1 $635,000 $635,000 $3,856 3.38%
Prineville, OR (FHA|USDA|VA) 1 $605,000 $605,000 $4,444 4.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $595,000 $595,000 $4,632 3.13%
Shelton, WA (FHA|USDA|VA) 1 $575,000 $575,000 $4,753 3.38%
Brenham, TX (FHA|USDA|VA) 1 $565,000 $565,000 $6,008 3.00%
ROCHESTER, MN (FHA|USDA|VA) 1 $565,000 $565,000 $4,211 5.13%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $555,000 $555,000 $4,367 3.38%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $555,000 $555,000 $4,502 4.38%
Tupelo, MS (FHA|USDA|VA) 1 $555,000 $555,000 $4,306 2.75%
LANCASTER, PA (FHA|USDA|VA) 2 $550,000 $275,000 $3,520 4.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $545,000 $545,000 $2,871 4.50%
CARSON CITY, NV (FHA|USDA|VA) 1 $545,000 $545,000 $4,273 4.25%
Wapakoneta, OH (FHA|USDA|VA) 1 $535,000 $535,000 $5,725 3.38%
CHICO, CA (FHA|USDA|VA) 1 $535,000 $535,000 $0 4.25%
WACO, TX (FHA|USDA|VA) 1 $525,000 $525,000 $6,241 6.13%
Huntsville, TX (FHA|USDA|VA) 1 $515,000 $515,000 $11,298 2.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $505,000 $505,000 $9,436 3.63%
IOWA CITY, IA (FHA|USDA|VA) 1 $505,000 $505,000 $2,831 3.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $505,000 $505,000 $4,616 4.13%
STOCKTON, CA (FHA|USDA|VA) 1 $505,000 $505,000 $3,506 3.13%
Montrose, CO (FHA|USDA|VA) 1 $505,000 $505,000 $4,463 4.50%
ANCHORAGE, AK (FHA|USDA|VA) 1 $505,000 $505,000 $4,639 3.13%
Riverton, WY (FHA|USDA|VA) 1 $505,000 $505,000 $3,345 4.00%
YAKIMA, WA (FHA|USDA|VA) 1 $505,000 $505,000 $3,511 3.88%
WENATCHEE, WA (FHA|USDA|VA) 1 $505,000 $505,000 $4,010 4.50%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $495,000 $495,000 $4,214 5.38%
Clewiston, FL (FHA|USDA|VA) 1 $485,000 $485,000 $6,024 3.25%
JACKSON, TN (FHA|USDA|VA) 1 $485,000 $485,000 $4,235 3.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $475,000 $475,000 $4,760 5.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $475,000 $475,000 $5,469 3.50%
MOBILE, AL (FHA|USDA|VA) 1 $465,000 $465,000 $3,721 5.50%
CORVALLIS, OR (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $435,000 $435,000 $3,840 4.88%
Centralia, WA (FHA|USDA|VA) 1 $435,000 $435,000 $3,277 6.38%
OCALA, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,258 3.25%
Barre, VT (FHA|USDA|VA) 1 $425,000 $425,000 $3,676 3.63%
JACKSON, MS (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.13%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $395,000 $395,000 $3,615 5.38%
MONROE, MI (FHA|USDA|VA) 1 $385,000 $385,000 $3,109 3.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $365,000 $365,000 $3,138 4.13%
Kerrville, TX (FHA|USDA|VA) 1 $355,000 $355,000 $5,638 5.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $355,000 $355,000 $5,621 3.38%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $355,000 $355,000 $5,363 3.13%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $345,000 $345,000 $2,666 4.63%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $320,000 $160,000 $3,310 4.69%
Helena, MT (FHA|USDA|VA) 1 $315,000 $315,000 $3,255 5.63%
Celina, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,761 4.25%
PUEBLO, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,151 3.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $275,000 $275,000 $3,275 5.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $275,000 $275,000 $9,402 4.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $265,000 $265,000 $3,205 3.63%
Findlay, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,871 6.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,208 5.00%
Newport, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,149 5.13%
Nogales, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $4,175 5.00%
Mason City, IA (FHA|USDA|VA) 1 $225,000 $225,000 $1,801 4.00%
SAGINAW, MI (FHA|USDA|VA) 1 $225,000 $225,000 $3,089 6.50%
SYRACUSE, NY (FHA|USDA|VA) 1 $205,000 $205,000 $3,976 6.25%
Seneca Falls, NY (FHA|USDA|VA) 1 $205,000 $205,000 $5,361 4.25%
BINGHAMTON, NY (FHA|USDA|VA) 1 $205,000 $205,000 $6,614 3.38%
LUBBOCK, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,361 3.75%
Bartlesville, OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,487 2.75%
SAVANNAH, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,946 5.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,815 3.13%
CLEVELAND, TN (FHA|USDA|VA) 1 $135,000 $135,000 $2,973 4.13%
BISMARCK, ND (FHA|USDA|VA) 1 $105,000 $105,000 $3,057 3.13%
Urbana, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.63%
Ubs Bank Usa's top markets include New York, Los Angeles, Miami, San Francisco, and Dallas 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 4,960 $6,881,900,000 $1,387,480 $7,477 3.65%

    For 2022, Ubs Bank Usa's most frequently originated type of loan was Conventional, with 4,960 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,399 $3,206,495,000 $1,336,596 $7,940 3.84%
    Other 1,680 $2,470,680,000 $1,470,643 $7,140 3.51%
    Cash Out Refi 482 $683,530,000 $1,418,112 $7,068 3.56%
    Refi 399 $521,195,000 $1,306,253 $6,554 3.23%

    For 2022, Ubs Bank Usa's most frequently cited loan purpose was Home Purchase, with 2,399 originations. The 2nd most popular reason was Other, with 1,680 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,773 $6,496,395,000 $1,361,072 $7,564 3.66%
    15 Year 107 $78,265,000 $731,449 $5,223 3.38%
    20 Year 49 $31,545,000 $643,776 $5,496 3.63%
    10 Year 19 $25,185,000 $1,325,526 $4,764 3.15%
    Other 7 $21,305,000 $3,043,571 $3,811 3.71%
    3 Year 5 $229,205,000 $45,841,000 $0 4.91%

    For 2022, Ubs Bank Usa's most frequently cited loan duration was 30 Year, with 4,773 originations. The 2nd most popular length was 15 Year, with 107 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,340 $5,876,840,000 $1,354,111
    $5k+ 128 $244,660,000 $1,911,406
    $1k-2k 89 $32,785,000 $368,371
    $2k-3k 64 $45,250,000 $707,031
    $3k-4k 36 $32,880,000 $913,333
    $4k-5k 26 $33,250,000 $1,278,846

    Ubs Bank Usa's average total fees were $7,564, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,340 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,949 $2,545,835,000 $1,306,226
    4-5% 1,141 $1,156,505,000 $1,013,589
    2.5-3% 1,119 $1,982,725,000 $1,771,872
    <2.5% 392 $827,350,000 $2,110,587
    5-6% 314 $250,310,000 $797,166
    6-7% 45 $119,175,000 $2,648,333

    During 2022, Ubs Bank Usa's average interest rate for loans was 3.66%, while their most frequently originated rate bucket for loans was 3-4%, with 1,949 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 2,097 $5,137,985,000 $2,450,160 $10,420 3.39%
    $600k-1MM 1,527 $1,162,445,000 $761,261 $5,817 3.68%
    $400k-600k 884 $457,830,000 $517,907 $4,974 3.81%
    $200k-400k 383 $113,305,000 $295,836 $4,290 4.44%
    $100k-200k 65 $10,075,000 $155,000 $3,486 4.57%
    $100,000 or less 4 $260,000 $65,000 $3,249 4.72%

    2022 saw Ubs Bank Usa place emphasis on $1MM+ loans with 2,097 originations, totaling $5,137,985,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 3,307 $5,530,605,000 $1,672,393 $8,655 3.53%
    $150k-250k 993 $669,495,000 $674,215 $5,364 3.82%
    $100k-150k 402 $191,840,000 $477,214 $4,764 3.96%
    $75k-100k 110 $38,080,000 $346,182 $4,296 4.06%
    $50k-75k 81 $20,085,000 $247,963 $3,899 4.48%
    $50k or less 17 $3,255,000 $191,471 $3,830 4.32%

    Ubs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 3,307 originations. The second most popular income band? $150k-250k, with 993 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 872 $903,480,000 $1,036,101 $6,746 3.70%
    30-36% 775 $867,425,000 $1,119,258 $7,177 3.75%
    <20% 494 $630,000,000 $1,275,304 $7,351 3.56%
    50-60% 359 $803,065,000 $2,236,950 $9,348 3.31%
    43% 216 $310,330,000 $1,436,713 $7,654 3.72%
    44% 212 $300,850,000 $1,419,104 $7,794 3.81%
    41% 208 $252,260,000 $1,212,788 $7,247 3.72%
    42% 206 $261,670,000 $1,270,243 $7,200 3.63%
    39% 187 $218,365,000 $1,167,727 $7,053 3.68%
    40% 172 $185,990,000 $1,081,337 $6,838 3.68%
    37% 159 $208,225,000 $1,309,591 $7,326 3.67%
    36% 158 $189,020,000 $1,196,329 $7,116 3.70%
    49% 153 $237,285,000 $1,550,882 $7,542 3.60%
    48% 144 $194,890,000 $1,353,403 $7,571 3.66%
    45% 141 $200,315,000 $1,420,674 $8,640 3.78%
    38% 136 $163,040,000 $1,198,824 $6,636 3.69%
    46% 135 $196,995,000 $1,459,222 $7,937 3.66%
    47% 130 $167,700,000 $1,290,000 $7,176 3.57%
    >60% 53 $162,455,000 $3,065,189 $12,312 3.13%

    Ubs Bank Usa lent most frequently to those with DTI ratios of 20-30%, with 872 originations. The next most common DTI ratio? 30-36%, with 775 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,865 $4,838,195,000 $1,251,797 $7,263 3.68%
    Not provided 762 $1,224,320,000 $1,606,719 $8,384 3.56%
    Not applicable 50 $428,540,000 $8,570,800 $15,287 3.33%
    Asian 174 $260,070,000 $1,494,655 $7,492 3.56%
    Black 71 $84,475,000 $1,189,789 $7,972 3.75%
    American Indian 23 $24,515,000 $1,065,870 $7,235 3.78%
    Asian Indian 7 $14,795,000 $2,113,571 $7,395 3.61%
    Native Hawaiian or Islander 6 $5,510,000 $918,333 $5,945 3.46%
    Other Pacific Islander 1 $925,000 $925,000 $4,616 2.75%
    Chinese 1 $555,000 $555,000 $4,494 4.00%

    Approval Rates

    Total approvals of all applications
    95.69%

    Ubs Bank Usa has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    83.63%

    Ubs Bank Usa has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,960 $6,881,900,000 $1,387,480

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,960 $6,881,900,000 $1,387,480

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 441 $446,185,000 $1,011,757 $6,870 3.59%
    40-60% 944 $1,252,200,000 $1,326,483 $7,042 3.64%
    60-80% 2,208 $3,488,070,000 $1,579,742 $8,013 3.64%
    80-100% 1,303 $1,659,595,000 $1,273,672 $7,202 3.71%
    Under 20% 64 $35,850,000 $560,156 $5,250 3.72%