Ubs Bank Usa Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 549300GWD9H4FQ2VR805

Tax ID: 87-0477597

2020 Data | 2019 Data | 2018 Data


Overview

Ubs Bank Usa is a mid-sized bank specializing in Refi and Home Purchase loans. Ubs Bank Usa has a high proportion of conventional loans. Their top markets include Los Angeles, New York, Nassau County, Anaheim, and San Francisco among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Ubs Bank Usa is typically a high fee lendor.


Originations

5,507

Origination Dollar Volume (All Markets)

$6,330,815,000

Employee count

460

Relative Rate

Ubs Bank Usa's average 30 year fixed rate mortgage was 3.13%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.23%.

Relative Fees

Ubs Bank Usa's average total fees for a 30 year fixed rate mortgage are $6,072.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,507 $6,330,815,000 $1,149,594 $6,118 3.06%

For the 2020 period, Ubs Bank Usa's most frequently originated loan type was Conventional, with 5,507 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,938 $2,198,520,000 $1,134,427 $5,389 3.03%
Home Purchase 1,790 $2,039,760,000 $1,139,531 $7,200 3.01%
Other 995 $1,211,515,000 $1,217,603 $6,016 3.01%
Cash Out Refi 784 $881,020,000 $1,123,750 $5,575 3.31%

For the 2020, Ubs Bank Usa's most frequently cited loan purpose was Refi, with 1,938 originations. The 2nd most popular reason was Home Purchase, with 1,790 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,992 $5,963,640,000 $1,194,639 $6,266 3.06%
15 Year 453 $295,855,000 $653,102 $4,726 3.06%
20 Year 46 $23,080,000 $501,739 $4,310 3.31%
10 Year 15 $45,235,000 $3,015,667 $4,309 3.05%
5 Year 1 $3,005,000 $3,005,000 $0 3.41%

For the 2020, Ubs Bank Usa's most frequently cited loan length was 30 Year, with 4,992 originations. The 2nd most popular length was 15 Year, with 453 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 5,101 $5,974,895,000 $1,171,318
$1k-2k 88 $31,240,000 $355,000
$2k-3k 55 $32,795,000 $596,273
$5k+ 53 $61,625,000 $1,162,736
$3k-4k 22 $19,860,000 $902,727

$6,072 was Ubs Bank Usa's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 5,101 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LOS ANGELES-LONG BEACH-GLENDALE, CA 401 $625,655,000 $1,560,237 $6,459 2.99%
Outside of Metro Areas 449 $583,525,000 $1,299,610 $6,112 3.02%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 322 $428,130,000 $1,329,596 $8,190 3.07%
NASSAU COUNTY-SUFFOLK COUNTY, NY 140 $251,250,000 $1,794,643 $8,833 2.97%
ANAHEIM-SANTA ANA-IRVINE, CA 165 $237,745,000 $1,440,879 $6,143 2.98%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 122 $201,900,000 $1,654,918 $5,428 2.91%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 101 $193,705,000 $1,917,871 $9,620 2.90%
SEATTLE-BELLEVUE-KENT, WA 151 $168,595,000 $1,116,523 $4,957 3.15%
BRIDGEPORT-STAMFORD-NORWALK, CT 126 $164,290,000 $1,303,889 $6,445 2.92%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 150 $162,400,000 $1,082,667 $4,843 3.04%
MIAMI-MIAMI BEACH-KENDALL, FL 79 $149,475,000 $1,892,089 $11,332 2.92%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 102 $137,440,000 $1,347,451 $4,808 2.95%
DENVER-AURORA-LAKEWOOD, CO 134 $136,990,000 $1,022,313 $4,286 3.08%
CHICAGO-NAPERVILLE-EVANSTON, IL 147 $122,735,000 $834,932 $4,861 3.08%
PHOENIX-MESA-CHANDLER, AZ 132 $117,550,000 $890,530 $4,814 3.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 80 $108,700,000 $1,358,750 $10,883 3.04%
BOSTON, MA 85 $107,465,000 $1,264,294 $6,197 2.92%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 91 $99,695,000 $1,095,549 $5,633 3.01%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 101 $95,145,000 $942,030 $7,979 3.13%
DALLAS-PLANO-IRVING, TX 86 $89,250,000 $1,037,791 $8,789 3.09%
NAPLES-MARCO ISLAND, FL 58 $88,260,000 $1,521,724 $9,513 2.93%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 95 $84,085,000 $885,105 $5,109 2.99%
OAKLAND-BERKELEY-LIVERMORE, CA 83 $83,375,000 $1,004,518 $4,227 3.12%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 39 $72,025,000 $1,846,795 $9,556 2.91%
NEW BRUNSWICK-LAKEWOOD, NJ 75 $68,995,000 $919,933 $6,283 3.20%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 73 $66,555,000 $911,712 $5,658 3.08%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 77 $66,525,000 $863,961 $4,359 3.08%
NEWARK, NJ-PA 68 $64,250,000 $944,853 $7,285 3.09%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 55 $56,155,000 $1,021,000 $5,159 3.15%
SAN RAFAEL, CA 41 $54,105,000 $1,319,634 $4,885 2.95%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 59 $52,965,000 $897,712 $4,432 3.07%
NORTH PORT-SARASOTA-BRADENTON, FL 47 $51,155,000 $1,088,404 $8,038 3.06%
SALINAS, CA 31 $48,165,000 $1,553,710 $5,423 3.03%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 48 $41,520,000 $865,000 $5,504 3.14%
LAS VEGAS-HENDERSON-PARADISE, NV 44 $41,260,000 $937,727 $4,738 2.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 47 $40,515,000 $862,021 $5,352 3.11%
CHARLESTON-NORTH CHARLESTON, SC 30 $37,750,000 $1,258,333 $5,693 3.12%
SANTA MARIA-SANTA BARBARA, CA 26 $37,560,000 $1,444,615 $5,491 3.04%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 38 $35,040,000 $922,105 $7,152 3.09%
CINCINNATI, OH-KY-IN 45 $32,135,000 $714,111 $4,302 3.13%
JACKSONVILLE, FL 32 $31,760,000 $992,500 $6,707 3.18%
PROVIDENCE-WARWICK, RI-MA 29 $31,185,000 $1,075,345 $5,574 3.11%
BOULDER, CO 25 $28,855,000 $1,154,200 $4,678 3.19%
WARREN-TROY-FARMINGTON HILLS, MI 45 $28,715,000 $638,111 $3,744 3.23%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 30 $26,880,000 $896,000 $7,746 3.07%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 26 $24,570,000 $945,000 $5,394 3.24%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 22 $24,140,000 $1,097,273 $8,500 2.98%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 28 $23,710,000 $846,786 $4,188 3.08%
CAPE CORAL-FORT MYERS, FL 31 $23,565,000 $760,161 $6,162 3.12%
SANTA ROSA-PETALUMA, CA 13 $23,555,000 $1,811,923 $6,159 2.95%
BALTIMORE-COLUMBIA-TOWSON, MD 28 $23,200,000 $828,571 $4,624 3.15%
BARNSTABLE TOWN, MA 22 $22,340,000 $1,015,455 $5,259 2.86%
OCEAN CITY, NJ 18 $22,040,000 $1,224,444 $6,840 2.85%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 23 $21,505,000 $935,000 $4,105 2.99%
OXNARD-THOUSAND OAKS-VENTURA, CA 23 $19,665,000 $855,000 $4,705 3.07%
URBAN HONOLULU, HI 6 $19,600,000 $3,266,667 $11,156 2.90%
HILTON HEAD ISLAND-BLUFFTON, SC 18 $19,020,000 $1,056,667 $4,955 3.15%
SANTA CRUZ-WATSONVILLE, CA 16 $17,940,000 $1,121,250 $4,040 3.20%
KANSAS CITY, MO-KS 20 $17,690,000 $884,500 $3,973 3.19%
ST. LOUIS, MO-IL 20 $16,420,000 $821,000 $3,626 3.35%
BOISE CITY, ID 12 $14,460,000 $1,205,000 $7,979 3.07%
ORLANDO-KISSIMMEE-SANFORD, FL 19 $13,945,000 $733,947 $6,545 3.14%
SALISBURY, MD-DE 18 $13,870,000 $770,556 $4,962 3.09%
PORTLAND-SOUTH PORTLAND, ME 19 $13,545,000 $712,895 $4,853 2.97%
PHILADELPHIA, PA 18 $12,370,000 $687,222 $6,418 3.20%
CHATTANOOGA, TN-GA 17 $12,335,000 $725,588 $4,352 3.13%
RENO, NV 11 $11,735,000 $1,066,818 $4,819 2.88%
SEBASTIAN-VERO BEACH, FL 11 $11,595,000 $1,054,091 $8,108 2.95%
RALEIGH-CARY, NC 16 $11,460,000 $716,250 $3,981 3.20%
BEND, OR 17 $11,295,000 $664,412 $5,120 3.27%
PORT ST. LUCIE, FL 11 $10,765,000 $978,636 $6,371 2.86%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 17 $10,565,000 $621,471 $5,108 3.07%
KAHULUI-WAILUKU-LAHAINA, HI 6 $10,320,000 $1,720,000 $9,297 2.71%
SANTA FE, NM 9 $10,025,000 $1,113,889 $5,540 3.22%
ATLANTIC CITY-HAMMONTON, NJ 11 $9,965,000 $905,909 $5,783 3.00%
COLUMBUS, OH 15 $9,695,000 $646,333 $4,529 2.97%
SALT LAKE CITY, UT 10 $9,620,000 $962,000 $4,264 3.13%
COEUR D'ALENE, ID 8 $9,220,000 $1,152,500 $6,438 3.03%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 10 $8,740,000 $874,000 $5,089 3.20%
SAN ANTONIO-NEW BRAUNFELS, TX 13 $8,695,000 $668,846 $7,116 3.23%
TUCSON, AZ 14 $8,680,000 $620,000 $4,605 3.18%
BIRMINGHAM-HOOVER, AL 13 $8,605,000 $661,923 $3,469 3.17%
PALM BAY-MELBOURNE-TITUSVILLE, FL 9 $8,295,000 $921,667 $7,513 3.08%
NAPA, CA 8 $8,060,000 $1,007,500 $4,408 2.95%
CLEVELAND-ELYRIA, OH 17 $7,785,000 $457,941 $3,965 3.39%
INDIANAPOLIS-CARMEL-ANDERSON, IN 12 $7,520,000 $626,667 $3,272 3.32%
DURHAM-CHAPEL HILL, NC 9 $7,195,000 $799,444 $4,033 3.03%
KNOXVILLE, TN 10 $6,900,000 $690,000 $4,108 3.30%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 8 $6,860,000 $857,500 $8,123 3.25%
OKLAHOMA CITY, OK 8 $6,330,000 $791,250 $4,847 3.33%
NEW ORLEANS-METAIRIE, LA 8 $6,110,000 $763,750 $5,066 2.98%
BRUNSWICK, GA 5 $5,955,000 $1,191,000 $5,479 2.75%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 8 $5,930,000 $741,250 $4,059 3.06%
PITTSBURGH, PA 10 $5,790,000 $579,000 $6,637 3.26%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 7 $5,555,000 $793,571 $5,050 3.20%
TACOMA-LAKEWOOD, WA 7 $5,265,000 $752,143 $4,416 3.27%
RICHMOND, VA 9 $5,215,000 $579,444 $4,287 3.18%
ANN ARBOR, MI 6 $5,120,000 $853,333 $3,386 3.19%
GREENVILLE-ANDERSON, SC 8 $4,890,000 $611,250 $4,078 3.27%
WILMINGTON, DE-MD-NJ 4 $4,640,000 $1,160,000 $7,681 2.88%
MEMPHIS, TN-MS-AR 8 $4,560,000 $570,000 $4,543 3.31%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 8 $4,440,000 $555,000 $3,826 3.09%
DAPHNE-FAIRHOPE-FOLEY, AL 5 $4,335,000 $867,000 $4,466 3.00%
MADISON, WI 5 $4,255,000 $851,000 $3,511 2.78%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 6 $4,190,000 $698,333 $3,833 3.02%
PRESCOTT VALLEY-PRESCOTT, AZ 7 $4,085,000 $583,571 $5,388 3.09%
WORCESTER, MA-CT 6 $4,000,000 $666,667 $4,430 3.25%
SAN LUIS OBISPO-PASO ROBLES, CA 4 $3,810,000 $952,500 $3,869 3.44%
MILWAUKEE-WAUKESHA, WI 6 $3,640,000 $606,667 $3,194 3.13%
PITTSFIELD, MA 5 $3,595,000 $719,000 $5,679 3.15%
TULSA, OK 5 $3,585,000 $717,000 $5,508 2.93%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 7 $3,585,000 $512,143 $5,597 3.48%
NILES, MI 4 $3,570,000 $892,500 $4,437 3.03%
ASHEVILLE, NC 6 $3,540,000 $590,000 $4,838 3.15%
PENSACOLA-FERRY PASS-BRENT, FL 4 $3,520,000 $880,000 $6,741 2.91%
COLORADO SPRINGS, CO 6 $3,380,000 $563,333 $4,087 3.23%
GRAND RAPIDS-KENTWOOD, MI 2 $3,310,000 $1,655,000 $7,851 2.63%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 7 $3,285,000 $469,286 $5,188 3.11%
CHARLOTTESVILLE, VA 3 $3,275,000 $1,091,667 $4,015 2.58%
LAKELAND-WINTER HAVEN, FL 5 $3,095,000 $619,000 $5,191 3.25%
LONGVIEW, TX 4 $3,020,000 $755,000 $6,857 3.13%
BELLINGHAM, WA 3 $2,945,000 $981,667 $4,108 3.21%
ROANOKE, VA 4 $2,920,000 $730,000 $5,103 2.84%
FLAGSTAFF, AZ 4 $2,910,000 $727,500 $4,393 2.91%
ALBANY-SCHENECTADY-TROY, NY 4 $2,820,000 $705,000 $7,305 2.94%
EUGENE-SPRINGFIELD, OR 5 $2,795,000 $559,000 $5,878 3.58%
COLLEGE STATION-BRYAN, TX 4 $2,770,000 $692,500 $6,350 2.97%
FORT COLLINS, CO 6 $2,740,000 $456,667 $3,951 3.42%
DAYTON-KETTERING, OH 4 $2,740,000 $685,000 $4,093 3.66%
LEXINGTON-FAYETTE, KY 3 $2,665,000 $888,333 $4,528 3.25%
ALBUQUERQUE, NM 5 $2,605,000 $521,000 $4,858 2.95%
NEW HAVEN-MILFORD, CT 2 $2,600,000 $1,300,000 $3,594 3.00%
HARRISBURG-CARLISLE, PA 3 $2,565,000 $855,000 $7,435 3.29%
MIDLAND, TX 4 $2,560,000 $640,000 $7,478 2.97%
NORWICH-NEW LONDON, CT 5 $2,385,000 $477,000 $4,043 3.20%
DES MOINES-WEST DES MOINES, IA 3 $2,255,000 $751,667 $9,976 2.83%
BUFFALO-CHEEKTOWAGA, NY 3 $2,155,000 $718,333 $4,640 3.00%
GREELEY, CO 4 $2,140,000 $535,000 $3,766 3.38%
MONTGOMERY, AL 2 $2,020,000 $1,010,000 $3,135 2.75%
OGDEN-CLEARFIELD, UT 2 $1,890,000 $945,000 $3,493 3.19%
CAMDEN, NJ 3 $1,865,000 $621,667 $4,532 3.46%
BURLINGTON-SOUTH BURLINGTON, VT 3 $1,855,000 $618,333 $4,224 2.83%
ST. GEORGE, UT 2 $1,830,000 $915,000 $4,289 2.56%
LAFAYETTE, LA 5 $1,785,000 $357,000 $3,887 3.58%
THE VILLAGES, FL 4 $1,770,000 $442,500 $3,932 3.53%
PROVO-OREM, UT 1 $1,755,000 $1,755,000 $6,593 2.50%
SPRINGFIELD, MA 4 $1,740,000 $435,000 $4,404 3.66%
TRENTON-PRINCETON, NJ 4 $1,690,000 $422,500 $4,341 3.84%
ANCHORAGE, AK 2 $1,620,000 $810,000 $4,723 2.69%
ROCHESTER, NY 3 $1,605,000 $535,000 $5,347 3.08%
FORT WAYNE, IN 2 $1,560,000 $780,000 $3,928 2.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 2 $1,540,000 $770,000 $4,648 3.56%
WILMINGTON, NC 2 $1,480,000 $740,000 $4,390 3.19%
BATON ROUGE, LA 1 $1,455,000 $1,455,000 $6,545 2.88%
TYLER, TX 1 $1,445,000 $1,445,000 $10,191 3.13%
LINCOLN, NE 2 $1,430,000 $715,000 $3,704 3.13%
HICKORY-LENOIR-MORGANTON, NC 2 $1,410,000 $705,000 $4,082 2.81%
SPOKANE-SPOKANE VALLEY, WA 2 $1,400,000 $700,000 $3,343 3.50%
DETROIT-DEARBORN-LIVONIA, MI 2 $1,380,000 $690,000 $3,086 3.19%
AKRON, OH 3 $1,375,000 $458,333 $4,096 3.21%
MANCHESTER-NASHUA, NH 4 $1,370,000 $342,500 $3,123 3.75%
WINSTON-SALEM, NC 3 $1,365,000 $455,000 $3,972 3.38%
OSHKOSH-NEENAH, WI 2 $1,360,000 $680,000 $4,000 3.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 2 $1,330,000 $665,000 $6,152 3.13%
LANSING-EAST LANSING, MI 3 $1,295,000 $431,667 $3,518 3.79%
MISSOULA, MT 1 $1,275,000 $1,275,000 $3,767 3.50%
MOBILE, AL 2 $1,230,000 $615,000 $3,477 3.38%
EL PASO, TX 2 $1,220,000 $610,000 $7,041 3.75%
SOUTH BEND-MISHAWAKA, IN-MI 2 $1,160,000 $580,000 $2,726 3.50%
GREEN BAY, WI 1 $1,145,000 $1,145,000 $3,184 3.25%
KINGSPORT-BRISTOL, TN-VA 2 $1,140,000 $570,000 $4,273 2.88%
CORVALLIS, OR 1 $1,125,000 $1,125,000 $0 2.63%
LYNCHBURG, VA 1 $1,105,000 $1,105,000 $3,261 2.88%
TALLAHASSEE, FL 2 $1,100,000 $550,000 $4,174 3.31%
SHREVEPORT-BOSSIER CITY, LA 1 $1,055,000 $1,055,000 $5,937 2.63%
GARY, IN 2 $1,040,000 $520,000 $3,280 3.44%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 1 $1,005,000 $1,005,000 $4,002 3.50%
SYRACUSE, NY 1 $995,000 $995,000 $7,973 3.25%
STOCKTON, CA 1 $935,000 $935,000 $3,462 3.88%
ROCHESTER, MN 2 $920,000 $460,000 $3,531 3.38%
KINGSTON, NY 1 $905,000 $905,000 $11,711 3.00%
SAN ANGELO, TX 2 $890,000 $445,000 $5,343 3.44%
BLACKSBURG-CHRISTIANSBURG, VA 2 $890,000 $445,000 $4,232 3.44%
VISALIA, CA 1 $865,000 $865,000 $3,490 3.13%
BEAUMONT-PORT ARTHUR, TX 2 $850,000 $425,000 $5,954 3.94%
AUBURN-OPELIKA, AL 2 $850,000 $425,000 $3,372 3.56%
WENATCHEE, WA 1 $845,000 $845,000 $4,964 3.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 2 $830,000 $415,000 $3,418 3.44%
BAKERSFIELD, CA 3 $815,000 $271,667 $3,117 3.38%
OLYMPIA-LACEY-TUMWATER, WA 2 $810,000 $405,000 $4,136 3.94%
LAKE HAVASU CITY-KINGMAN, AZ 2 $810,000 $405,000 $3,078 3.75%
DULUTH, MN-WI 2 $790,000 $395,000 $3,750 3.19%
TOLEDO, OH 2 $790,000 $395,000 $4,635 3.25%
KENNEWICK-RICHLAND, WA 2 $760,000 $380,000 $3,799 3.75%
CLEVELAND, TN 1 $755,000 $755,000 $3,367 2.63%
EAU CLAIRE, WI 1 $735,000 $735,000 $2,846 3.00%
SAVANNAH, GA 2 $690,000 $345,000 $4,850 3.19%
MOUNT VERNON-ANACORTES, WA 1 $655,000 $655,000 $3,540 3.75%
CORPUS CHRISTI, TX 2 $650,000 $325,000 $7,000 3.56%
WICHITA, KS 1 $645,000 $645,000 $4,020 3.00%
GULFPORT-BILOXI, MS 1 $635,000 $635,000 $11,091 2.50%
MERCED, CA 2 $630,000 $315,000 $3,003 3.31%
GAINESVILLE, FL 3 $605,000 $201,667 $3,520 3.46%
GRAND JUNCTION, CO 1 $595,000 $595,000 $3,101 3.63%
FLORENCE-MUSCLE SHOALS, AL 1 $585,000 $585,000 $3,190 3.63%
SPARTANBURG, SC 1 $575,000 $575,000 $3,187 2.75%
FARGO, ND-MN 1 $555,000 $555,000 $4,109 3.00%
SALEM, OR 1 $515,000 $515,000 $3,477 3.13%
BROWNSVILLE-HARLINGEN, TX 1 $515,000 $515,000 $6,543 3.13%
IOWA CITY, IA 1 $515,000 $515,000 $3,401 2.88%
COLUMBIA, SC 1 $515,000 $515,000 $3,591 2.88%
JACKSON, MS 1 $515,000 $515,000 $3,443 2.25%
HUNTSVILLE, AL 1 $485,000 $485,000 $3,331 3.13%
ELKHART-GOSHEN, IN 2 $370,000 $185,000 $4,807 4.06%
MADERA, CA 1 $365,000 $365,000 $3,199 4.13%
BLOOMINGTON, IN 1 $345,000 $345,000 $2,694 2.88%
WINCHESTER, VA-WV 1 $325,000 $325,000 $3,535 3.25%
FRESNO, CA 1 $325,000 $325,000 $4,098 3.50%
SCRANTON--WILKES-BARRE, PA 1 $315,000 $315,000 $6,131 2.63%
GREENSBORO-HIGH POINT, NC 2 $310,000 $155,000 $3,173 3.81%
AMARILLO, TX 1 $295,000 $295,000 $4,341 3.50%
COLUMBIA, MO 1 $275,000 $275,000 $2,926 3.88%
OMAHA-COUNCIL BLUFFS, NE-IA 1 $255,000 $255,000 $2,850 3.63%
HOMOSASSA SPRINGS, FL 1 $255,000 $255,000 $3,651 3.63%
PUNTA GORDA, FL 1 $225,000 $225,000 $4,192 2.50%
READING, PA 1 $225,000 $225,000 $3,989 3.63%
LANCASTER, PA 1 $185,000 $185,000 $4,130 2.63%
ABILENE, TX 1 $175,000 $175,000 $4,298 3.63%
LA CROSSE-ONALASKA, WI-MN 1 $155,000 $155,000 $3,251 3.63%
SIOUX CITY, IA-NE-SD 1 $135,000 $135,000 $2,726 4.25%
HARRISONBURG, VA 1 $135,000 $135,000 $2,380 3.38%
CANTON-MASSILLON, OH 1 $125,000 $125,000 $3,257 2.88%
LUBBOCK, TX 1 $125,000 $125,000 $0 3.75%
ATHENS-CLARKE COUNTY, GA 1 $115,000 $115,000 $3,000 3.38%
SHERMAN-DENISON, TX 1 $105,000 $105,000 $3,739 2.63%
STAUNTON, VA 1 $105,000 $105,000 $2,898 3.13%
FAYETTEVILLE, NC 1 $85,000 $85,000 $2,719 3.50%

Ubs Bank Usa's top markets include Los Angeles, New York, Nassau County, Anaheim, and San Francisco among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 2,473 $3,213,055,000 $1,299,254
3-4% 2,253 $1,922,805,000 $853,442
<2.5% 635 $1,143,635,000 $1,801,000
4-5% 145 $51,065,000 $352,172
5-6% 1 $255,000 $255,000

During 2020, Ubs Bank Usa's average interest rate was 3.13%, while their most frequently originated rate bucket was 2.5-3%, with 2,473 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$1MM+ 2,106 $4,220,410,000 $2,003,993 $8,294 2.87%
$600k-1MM 1,869 $1,466,155,000 $784,460 $5,176 3.03%
$400k-600k 969 $508,455,000 $524,721 $4,500 3.19%
$200k-400k 371 $108,645,000 $292,844 $3,910 3.66%
$100k-200k 166 $25,020,000 $150,723 $3,367 3.63%
$100,000 or less 26 $2,130,000 $81,923 $2,913 3.45%

2020 saw Ubs Bank Usa place emphasis on $1MM+ loans with 2,106 originations, totaling $4,220,410,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$250k+ 3,640 $5,090,840,000 $1,398,582 $6,882 2.96%
$150k-250k 1,117 $768,045,000 $687,596 $4,849 3.15%
$100k-150k 430 $215,010,000 $500,023 $4,295 3.30%
$75k-100k 156 $51,470,000 $329,936 $3,897 3.51%
$50k-75k 84 $21,970,000 $261,548 $3,493 3.74%
$50k or less 45 $7,595,000 $168,778 $3,252 3.58%

Ubs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 3,640 originations. The second most popular income band? $150k-250k, with 1,117 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,079 $1,190,465,000 $1,103,304 $5,825 3.06%
30-36% 835 $916,545,000 $1,097,659 $6,139 3.06%
<20% 760 $821,780,000 $1,081,289 $6,041 3.00%
50-60% 415 $514,105,000 $1,238,807 $6,294 2.94%
43% 201 $195,785,000 $974,055 $5,511 3.18%
44% 198 $206,980,000 $1,045,354 $5,607 3.11%
42% 179 $200,435,000 $1,119,749 $6,162 3.08%
40% 179 $197,035,000 $1,100,754 $6,217 3.15%
36% 178 $219,290,000 $1,231,966 $6,423 3.05%
39% 173 $201,065,000 $1,162,225 $6,141 3.09%
41% 169 $183,365,000 $1,085,000 $6,048 3.10%
38% 167 $189,775,000 $1,136,377 $6,148 3.06%
37% 158 $176,770,000 $1,118,797 $5,892 3.09%
45% 155 $196,995,000 $1,270,935 $6,413 3.10%
46% 151 $161,655,000 $1,070,563 $6,482 3.16%
48% 150 $153,250,000 $1,021,667 $6,155 3.12%
49% 148 $173,910,000 $1,175,068 $6,144 3.09%
47% 131 $171,845,000 $1,311,794 $6,462 3.04%
>60% 48 $90,360,000 $1,882,500 $8,870 2.94%

Ubs Bank Usa lent most frequently to those with DTI ratios of 20-30%, with 1,079 originations. The next most common DTI ratio? 30-36%, with 835 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,519 $4,961,245,000 $1,097,863 $6,044 3.07%
Not provided 680 $861,740,000 $1,267,265 $6,387 3.00%
Asian 182 $229,580,000 $1,261,429 $5,755 2.99%
Not applicable 35 $175,885,000 $5,025,286 $13,893 2.88%
Black 62 $68,270,000 $1,101,129 $6,143 3.16%
American Indian 19 $15,335,000 $807,105 $4,509 3.13%
Asian Indian 1 $9,505,000 $9,505,000 $34,269 3.38%
Native Hawaiian 8 $8,500,000 $1,062,500 $10,796 3.09%
Chinese 1 $755,000 $755,000 $4,261 3.50%

Approval Rates

Total approvals of all applications
92.36%

Ubs Bank Usa has an average approval rate.

Pick Rate

Approvals leading to origination
73.05%

Ubs Bank Usa has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 5,507 $6,330,815,000 $1,149,594

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 5 $43,975,000 $8,795,000
Single Family (1-4 Units):Site-Built 5,502 $6,286,840,000 $1,142,646

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 624 $588,320,000 $942,821 $5,356 3.06%
40-60% 1,435 $1,773,935,000 $1,236,192 $6,218 3.05%
60-80% 2,194 $2,599,420,000 $1,184,786 $6,314 3.05%
80-100% 1,143 $1,292,985,000 $1,131,220 $6,148 3.08%
Under 20% 111 $76,155,000 $686,081 $4,988 3.15%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Ubs Bank Usa 299 South Main Street, Suite 2275 Salt Lake City, UT 84111 Full Service B&M $67,034,969

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $1,712,855
Net interest income $1,503,972
Total noninterest income $25,184
Gross Fiduciary activities income $0
Service charges on deposit accounts $0
Trading account gains and fees $0
Additional Noninterest Income $25,184
Pre-tax net operating income $1,216,740
Securities gains (or losses, -) $38,738
Income before extraordinary items $920,009
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $920,009
Minority interest net income $0
Net income $920,009
Sale, conversion, retirement of capital stock, net $0
Net operating income $889,405

Bank Expenses

Item Value (in 000's)
Total interest expense $208,883
Provision for credit losses $19,283
Total noninterest expense $293,133
Salaries and employee benefits $88,385
Premises and equipment expense $7,126
Additional noninterest expense $197,622
Applicable income taxes $335,469
Net charge-offs $4,970
Cash dividends $525,000

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 93.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.4%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $79,289,485
Deposits held in domestic offices $79,289,485
Deposits by Individuals, partnerships, and corporations $79,194,511
Deposits by U.S. Government $501
Deposits by States and political subdivisions in the U.S. $92,293
Deposits by Commercial banks and other depository institutions in U.S. $2,180
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $3,706,262
Demand deposits $7,417
Nontransaction accounts $75,583,223
Money market deposit accounts (MMDAs) $72,457,646
Other savings deposits (excluding MMDAs) $0
Total time deposits $3,125,576
Total time and savings deposits $79,282,068
Noninterest-bearing deposits $7,417
Interest-bearing deposits $79,282,067
Retail deposits $70,880,551
IRAs and Keogh plan accounts $15,569,007
Brokered deposits $8,408,934
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $87,260,490
Cash & Balances due from depository institutions $18,523,480
Interest-bearing balances $18,519,621
Total securities $7,714,808
Federal funds sold & reverse repurchase $1,154,156
Net loans and leases $59,426,359
Loan and leases loss allowance $53,787
Trading account assets $0
Bank premises and fixed assets $6,739
Other real estate owned $0
Goodwill and other intangibles $4,935
All other assets $430,013

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $87,260,490
Total Liabilities $80,028,140
Total deposits $79,289,485
Interest-bearing deposits $79,282,067
Deposits held in domestic offices $79,289,485
% insured (estimated) $68
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $500,042
Subordinated debt $0
All other liabilities $238,613

Issued Loan Types

Type Value (in 000's)
Net loans and leases $59,426,359
Loan and leases loss allowance $53,787
Total loans and leases (domestic) $59,480,146
All real estate loans $19,069,253
Real estate loans in domestic offices $19,069,253
Construction and development loans $1,835
Residential 1-4 family construction $0
Other construction, all land development and other land $1,835
Loans secured by nonfarm nonresidential properties $258,836
Nonfarm nonresidential secured by owner-occupied properties $48,378
Commercial real estate & other non-farm, non-residential $210,458
Multifamily residential real estate $214,465
1-4 family residential loans $18,593,398
Farmland loans $719
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $5,912,108
To non-U.S. addressees $97,614
Loans to individuals $30,207,805
Credit card loans $225,638
Related Plans $0
Consumer Auto Loans $0
Other loans to individuals $29,982,167
All other loans & leases $4,290,980
Loans to foreign governments and official institutions $0
Other loans $4,272,257
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $4,115,655
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,154
Non 1-4 family restructured loans & leases $1,154
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1 $84 $84,000
Nonfarm, nonresidential loans - $250k-1MM 1 $84 $84,000
Commercial & Industrial, US addressed loans - <$1MM 4,297 $1,083,488 $252,150
Commercial & Industrial, US addressed loans - <$100k 1,750 $76,915 $43,951
Commercial & Industrial, US addressed loans - $100-250k 1,056 $189,995 $179,920
Commercial & Industrial, US addressed loans - $250k-1MM 1,491 $816,578 $547,671