Ubs Bank Usa Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 549300GWD9H4FQ2VR805

Tax ID: 87-0477597

5 stars - Updated: 6/24/24 - out of 5 stars, based on 50 reviews

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

Jump to:

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, Bridgeport, and Phoenix among others. We have data for 253 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 relatively high 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% 6/24/24
30 Year Conventional Refi 6.18% 6/24/24
30 Year Cash-out Refi 6.23% 6/24/24
15 Year Conventional Purchase 5.68% 6/24/24
15 Year Conventional Refi 5.98% 6/24/24
15 Year Cash-out Refi 5.98% 6/24/24
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

2,495

Origination Dollar Volume (All Markets)

$3,064,195,000
Show all (56) awards

Relative Rate

Ubs Bank Usa's average 30 year fixed mortgage rate was 6.04%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.44%.

Relative Fees (Closing Costs)

Ubs Bank Usa's average total fees/closing costs for a 30 year fixed rate mortgage were $7,328.

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 $9,089.

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) 282 $367,930,000 $1,304,716 $8,282 5.92%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 122 $263,360,000 $2,158,689 $7,966 5.96%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 123 $237,835,000 $1,933,618 $13,217 5.90%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 49 $93,935,000 $1,917,041 $11,118 5.93%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 70 $89,870,000 $1,283,857 $6,356 6.03%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 40 $88,780,000 $2,219,500 $8,694 6.11%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 57 $87,705,000 $1,538,684 $6,095 6.06%
Outside of Metro Areas 72 $82,720,000 $1,148,889 $6,628 6.07%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 64 $79,200,000 $1,237,500 $8,109 5.93%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 63 $72,835,000 $1,156,111 $7,265 6.11%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 63 $64,295,000 $1,020,556 $9,345 6.08%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 64 $60,450,000 $944,531 $4,705 6.08%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 61 $58,435,000 $957,951 $5,772 6.04%
Heber, UT (FHA|USDA|VA) 18 $56,310,000 $3,128,333 $9,434 5.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 53 $50,645,000 $955,566 $7,042 5.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 49 $50,065,000 $1,021,735 $8,687 5.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 34 $49,810,000 $1,465,000 $7,002 6.12%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 41 $44,695,000 $1,090,122 $5,033 6.07%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 38 $44,180,000 $1,162,632 $9,599 5.86%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 37 $43,185,000 $1,167,162 $9,600 5.95%
Glenwood Springs, CO (FHA|USDA|VA) 9 $37,805,000 $4,200,556 $9,933 5.51%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 41 $34,815,000 $849,146 $7,385 6.32%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $32,315,000 $1,900,882 $5,134 5.93%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 24 $31,100,000 $1,295,833 $10,200 6.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 30 $29,460,000 $982,000 $7,901 6.03%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 16 $27,700,000 $1,731,250 $10,051 6.14%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 10 $27,670,000 $2,767,000 $6,179 5.70%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 36 $26,900,000 $747,222 $5,284 6.10%
Bozeman, MT (FHA|USDA|VA) 10 $24,970,000 $2,497,000 $10,096 5.80%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 21 $24,235,000 $1,154,048 $5,989 6.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 24 $24,170,000 $1,007,083 $7,220 5.76%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 25 $20,395,000 $815,800 $4,923 6.07%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 29 $20,045,000 $691,207 $4,230 6.16%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 15 $19,745,000 $1,316,333 $6,645 5.99%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 20 $18,740,000 $937,000 $6,754 6.08%
JACKSONVILLE, FL (FHA|USDA|VA) 20 $18,720,000 $936,000 $7,288 5.86%
Jackson, WY-ID (FHA|USDA|VA) 4 $18,690,000 $4,672,500 $14,184 6.28%
OCEAN CITY, NJ (FHA|USDA|VA) 10 $18,470,000 $1,847,000 $8,769 5.98%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $18,435,000 $1,229,000 $5,276 6.27%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 22 $17,110,000 $777,727 $6,689 6.27%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 27 $16,625,000 $615,741 $4,421 6.30%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 15 $15,325,000 $1,021,667 $6,343 5.98%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 12 $14,800,000 $1,233,333 $5,679 6.34%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 13 $13,995,000 $1,076,538 $5,632 6.20%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 14 $13,330,000 $952,143 $6,004 6.25%
NAPA, CA (FHA|USDA|VA) 4 $11,530,000 $2,882,500 $8,496 6.16%
Steamboat Springs, CO (FHA|USDA|VA) 8 $11,430,000 $1,428,750 $5,214 6.03%
Hailey, ID (FHA|USDA|VA) 6 $10,100,000 $1,683,333 $9,189 5.92%
BOULDER, CO (FHA|USDA|VA) 10 $10,000,000 $1,000,000 $4,047 6.31%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $9,865,000 $758,846 $3,211 6.19%
BEND, OR (FHA|USDA|VA) 11 $9,825,000 $893,182 $6,546 6.30%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $9,825,000 $1,403,571 $5,341 5.48%
ST. LOUIS, MO-IL (FHA|USDA|VA) 13 $9,705,000 $746,538 $5,928 6.02%
Breckenridge, CO (FHA|USDA|VA) 6 $9,310,000 $1,551,667 $4,971 6.06%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $9,205,000 $1,022,778 $5,510 5.92%
PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $8,590,000 $715,833 $7,601 6.13%
COLUMBUS, OH (FHA|USDA|VA) 14 $8,540,000 $610,000 $4,891 6.09%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $8,265,000 $1,653,000 $13,921 5.70%
RENO, NV (FHA|USDA|VA) 6 $8,180,000 $1,363,333 $5,530 5.77%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $8,030,000 $1,338,333 $9,381 5.69%
Kalispell, MT (FHA|USDA|VA) 4 $8,030,000 $2,007,500 $5,591 6.56%
WILMINGTON, NC (FHA|USDA|VA) 8 $7,950,000 $993,750 $4,914 6.13%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 7 $7,785,000 $1,112,143 $10,088 6.18%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $7,780,000 $1,945,000 $10,634 6.28%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 11 $7,015,000 $637,727 $4,878 6.19%
BOISE CITY, ID (FHA|USDA|VA) 6 $6,450,000 $1,075,000 $7,088 6.06%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $6,315,000 $902,143 $5,810 5.93%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 9 $6,195,000 $688,333 $5,680 6.18%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $6,165,000 $2,055,000 $8,712 6.13%
BRUNSWICK, GA (FHA|USDA|VA) 3 $6,035,000 $2,011,667 $13,390 5.33%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $5,425,000 $775,000 $5,295 6.39%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $5,385,000 $1,077,000 $5,998 5.83%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $5,300,000 $883,333 $4,577 5.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $5,290,000 $881,667 $4,400 6.40%
TUCSON, AZ (FHA|USDA|VA) 10 $5,210,000 $521,000 $5,153 6.34%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $5,125,000 $732,143 $4,618 6.36%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $5,040,000 $840,000 $4,512 5.92%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 8 $4,970,000 $621,250 $4,346 6.28%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $4,890,000 $611,250 $4,608 6.39%
Whitewater, WI (FHA|USDA|VA) 2 $4,770,000 $2,385,000 $6,411 6.19%
FORT COLLINS, CO (FHA|USDA|VA) 5 $4,765,000 $953,000 $7,133 5.88%
PROVO-OREM, UT (FHA|USDA|VA) 3 $4,665,000 $1,555,000 $18,225 5.67%
SALINAS, CA (FHA|USDA|VA) 3 $4,605,000 $1,535,000 $5,654 6.04%
Edwards, CO (FHA|USDA|VA) 3 $4,605,000 $1,535,000 $5,354 6.25%
Sandpoint, ID (FHA|USDA|VA) 1 $4,535,000 $4,535,000 $0 6.38%
Hilo, HI (FHA|USDA|VA) 3 $4,505,000 $1,501,667 $9,833 5.67%
SALISBURY, MD-DE (FHA|USDA|VA) 6 $4,380,000 $730,000 $5,239 6.58%
Outside of Metro Areas 4 $4,220,000 $1,055,000 $7,125 5.69%
SANTA FE, NM (FHA|USDA|VA) 5 $3,935,000 $787,000 $6,786 6.13%
Kapaa, HI (FHA|USDA|VA) 3 $3,915,000 $1,305,000 $8,243 6.08%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $3,910,000 $651,667 $7,201 6.44%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $3,805,000 $761,000 $4,413 6.30%
MADISON, WI (FHA|USDA|VA) 5 $3,785,000 $757,000 $3,920 6.05%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $3,725,000 $532,143 $3,158 6.20%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $3,700,000 $925,000 $4,480 6.78%
KNOXVILLE, TN (FHA|USDA|VA) 7 $3,475,000 $496,429 $8,845 5.73%
TULSA, OK (FHA|USDA|VA) 5 $3,455,000 $691,000 $5,437 6.23%
PITTSBURGH, PA (FHA|USDA|VA) 7 $3,445,000 $492,143 $6,298 6.41%
Oak Harbor, WA (FHA|USDA|VA) 3 $3,425,000 $1,141,667 $5,076 5.50%
ASHEVILLE, NC (FHA|USDA|VA) 5 $3,385,000 $677,000 $4,372 6.23%
Laconia, NH (FHA|USDA|VA) 2 $3,290,000 $1,645,000 $7,569 6.06%
Key West, FL (FHA|USDA|VA) 4 $3,070,000 $767,500 $6,499 5.75%
Georgetown, SC (FHA|USDA|VA) 4 $3,040,000 $760,000 $5,315 6.28%
Seneca, SC (FHA|USDA|VA) 1 $2,995,000 $2,995,000 $10,661 6.38%
Brainerd, MN (FHA|USDA|VA) 2 $2,970,000 $1,485,000 $6,124 5.81%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $2,780,000 $1,390,000 $7,585 6.44%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $2,750,000 $687,500 $4,746 5.72%
Fredericksburg, TX (FHA|USDA|VA) 2 $2,700,000 $1,350,000 $4,009 6.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $2,690,000 $672,500 $4,100 6.34%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $2,670,000 $667,500 $5,550 6.09%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 6 $2,570,000 $428,333 $8,008 5.75%
LOUISVILLE, KY (FHA|USDA|VA) 3 $2,485,000 $828,333 $6,047 5.88%
Cullowhee, NC (FHA|USDA|VA) 2 $2,340,000 $1,170,000 $7,474 6.44%
THE VILLAGES, FL (FHA|USDA|VA) 4 $2,320,000 $580,000 $4,286 6.16%
ROCHESTER, NY (FHA|USDA|VA) 3 $2,295,000 $765,000 $4,628 6.83%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $2,265,000 $755,000 $6,823 5.96%
BILLINGS, MT (FHA|USDA|VA) 2 $2,250,000 $1,125,000 $7,344 5.81%
SAVANNAH, GA (FHA|USDA|VA) 3 $2,165,000 $721,667 $7,061 6.58%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $2,160,000 $540,000 $2,817 6.22%
TYLER, TX (FHA|USDA|VA) 2 $2,110,000 $1,055,000 $13,342 5.81%
RICHMOND, VA (FHA|USDA|VA) 4 $2,110,000 $527,500 $4,324 6.38%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $2,080,000 $520,000 $5,175 6.47%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $2,070,000 $517,500 $3,846 6.13%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $2,035,000 $678,333 $6,161 6.42%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $2,020,000 $1,010,000 $6,371 6.69%
Oxford, MS (FHA|USDA|VA) 3 $1,985,000 $661,667 $4,754 6.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $1,980,000 $990,000 $4,744 5.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,965,000 $655,000 $4,346 5.79%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,965,000 $393,000 $4,196 5.98%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,920,000 $480,000 $5,224 6.28%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $1,915,000 $638,333 $3,897 6.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $1,880,000 $940,000 $2,975 5.75%
GREELEY, CO (FHA|USDA|VA) 2 $1,870,000 $935,000 $3,866 5.69%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $1,830,000 $915,000 $5,369 6.38%
COLUMBIA, SC (FHA|USDA|VA) 2 $1,790,000 $895,000 $5,684 6.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $1,790,000 $895,000 $5,518 6.06%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $1,760,000 $880,000 $16,199 5.44%
Brevard, NC (FHA|USDA|VA) 2 $1,750,000 $875,000 $5,426 5.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,715,000 $571,667 $3,757 5.88%
ANCHORAGE, AK (FHA|USDA|VA) 3 $1,695,000 $565,000 $4,808 6.67%
Ellensburg, WA (FHA|USDA|VA) 2 $1,650,000 $825,000 $4,188 5.56%
AKRON, OH (FHA|USDA|VA) 2 $1,550,000 $775,000 $5,042 6.56%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $80,254 3.88%
ST. GEORGE, UT (FHA|USDA|VA) 2 $1,450,000 $725,000 $4,163 6.06%
LINCOLN, NE (FHA|USDA|VA) 2 $1,440,000 $720,000 $3,661 6.00%
Traverse City, MI (FHA|USDA|VA) 4 $1,400,000 $350,000 $3,458 6.59%
Easton, MD (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $6,944 6.13%
Corsicana, TX (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $10,483 6.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $5,995 5.38%
Shelton, WA (FHA|USDA|VA) 2 $1,260,000 $630,000 $4,560 6.31%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $1,260,000 $630,000 $3,819 6.06%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,260,000 $630,000 $5,824 6.06%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $1,255,000 $1,255,000 $6,154 6.50%
ANN ARBOR, MI (FHA|USDA|VA) 2 $1,250,000 $625,000 $4,157 6.31%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,230,000 $307,500 $4,794 6.28%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $1,210,000 $605,000 $3,340 6.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $10,651 5.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $1,180,000 $590,000 $7,982 6.00%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $1,175,000 $391,667 $3,280 6.46%
Show Low, AZ (FHA|USDA|VA) 2 $1,170,000 $585,000 $4,180 6.94%
Calhoun, GA (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $6,749 4.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $1,140,000 $570,000 $4,637 5.94%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $1,130,000 $565,000 $3,581 5.94%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $1,120,000 $560,000 $2,979 5.81%
SYRACUSE, NY (FHA|USDA|VA) 2 $1,090,000 $545,000 $5,894 5.94%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $1,050,000 $525,000 $4,346 5.75%
Keene, NH (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,208 6.88%
VISALIA, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,424 5.00%
Moses Lake, WA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,142 6.50%
Holland, MI (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,776 6.63%
FRESNO, CA (FHA|USDA|VA) 1 $995,000 $995,000 $4,603 5.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $990,000 $495,000 $6,100 6.56%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $965,000 $321,667 $3,296 6.17%
MIDLAND, TX (FHA|USDA|VA) 3 $955,000 $318,333 $5,395 6.17%
Lebanon, NH-VT (FHA|USDA|VA) 1 $955,000 $955,000 $6,514 5.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $945,000 $315,000 $5,310 7.08%
DULUTH, MN-WI (FHA|USDA|VA) 1 $935,000 $935,000 $5,068 6.00%
Montrose, CO (FHA|USDA|VA) 1 $915,000 $915,000 $3,286 5.50%
TOLEDO, OH (FHA|USDA|VA) 2 $880,000 $440,000 $4,572 6.19%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $805,000 $805,000 $8,305 5.38%
Vineyard Haven, MA (FHA|USDA|VA) 1 $805,000 $805,000 $10,313 6.50%
ROME, GA (FHA|USDA|VA) 1 $755,000 $755,000 $5,890 5.75%
Astoria, OR (FHA|USDA|VA) 1 $755,000 $755,000 $6,580 5.63%
Cedar City, UT (FHA|USDA|VA) 2 $750,000 $375,000 $4,012 6.94%
YAKIMA, WA (FHA|USDA|VA) 1 $745,000 $745,000 $4,910 6.00%
Torrington, CT (FHA|USDA|VA) 2 $740,000 $370,000 $6,426 6.88%
COLUMBUS, IN (FHA|USDA|VA) 1 $735,000 $735,000 $3,923 6.00%
Stephenville, TX (FHA|USDA|VA) 1 $725,000 $725,000 $8,106 6.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $725,000 $725,000 $5,282 5.75%
Sevierville, TN (FHA|USDA|VA) 1 $725,000 $725,000 $5,517 6.25%
LYNCHBURG, VA (FHA|USDA|VA) 2 $720,000 $360,000 $4,054 6.06%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $705,000 $705,000 $7,362 7.13%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $700,000 $350,000 $3,599 5.69%
BATON ROUGE, LA (FHA|USDA|VA) 2 $650,000 $325,000 $6,351 6.38%
VALLEJO, CA (FHA|USDA|VA) 1 $645,000 $645,000 $11,012 5.38%
CHEYENNE, WY (FHA|USDA|VA) 1 $635,000 $635,000 $4,618 6.50%
LANCASTER, PA (FHA|USDA|VA) 1 $625,000 $625,000 $7,098 6.88%
Morehead City, NC (FHA|USDA|VA) 1 $605,000 $605,000 $5,281 6.13%
SALEM, OR (FHA|USDA|VA) 1 $605,000 $605,000 $4,310 6.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $605,000 $605,000 $4,696 6.75%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $590,000 $295,000 $4,592 7.19%
Durango, CO (FHA|USDA|VA) 1 $585,000 $585,000 $3,632 5.00%
Ukiah, CA (FHA|USDA|VA) 1 $565,000 $565,000 $4,158 5.63%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $545,000 $545,000 $3,935 7.38%
PITTSFIELD, MA (FHA|USDA|VA) 1 $535,000 $535,000 $4,785 7.38%
Gillette, WY (FHA|USDA|VA) 1 $525,000 $525,000 $3,548 5.38%
Fergus Falls, MN (FHA|USDA|VA) 1 $525,000 $525,000 $4,053 7.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $505,000 $505,000 $4,290 6.63%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $485,000 $485,000 $3,535 6.50%
Concord, NH (FHA|USDA|VA) 1 $445,000 $445,000 $3,491 6.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $445,000 $445,000 $4,833 5.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $445,000 $445,000 $4,037 6.25%
Crossville, TN (FHA|USDA|VA) 1 $445,000 $445,000 $4,120 6.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $435,000 $435,000 $5,826 5.25%
BELLINGHAM, WA (FHA|USDA|VA) 1 $415,000 $415,000 $7,872 5.38%
Gloversville, NY (FHA|USDA|VA) 1 $405,000 $405,000 $4,541 7.00%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $395,000 $395,000 $2,790 6.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $4,801 6.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $385,000 $385,000 $0 5.88%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $375,000 $375,000 $6,275 6.25%
MEDFORD, OR (FHA|USDA|VA) 1 $365,000 $365,000 $3,585 7.63%
CHICO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $4,536 7.00%
Forest City, NC (FHA|USDA|VA) 1 $345,000 $345,000 $0 6.88%
KINGSTON, NY (FHA|USDA|VA) 1 $345,000 $345,000 $4,723 7.50%
PEORIA, IL (FHA|USDA|VA) 1 $345,000 $345,000 $2,647 5.75%
ROCHESTER, MN (FHA|USDA|VA) 1 $345,000 $345,000 $3,579 5.63%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $335,000 $335,000 $3,692 5.50%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $335,000 $335,000 $4,976 6.38%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,812 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,763 6.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $305,000 $305,000 $3,376 5.50%
LONGVIEW, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,361 7.00%
Olean, NY (FHA|USDA|VA) 1 $305,000 $305,000 $4,393 6.13%
Laramie, WY (FHA|USDA|VA) 1 $305,000 $305,000 $2,900 6.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $305,000 $305,000 $3,926 7.13%
NILES, MI (FHA|USDA|VA) 1 $295,000 $295,000 $3,006 5.75%
Kerrville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,823 5.75%
Paducah, KY-IL (FHA|USDA|VA) 1 $275,000 $275,000 $3,142 6.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $265,000 $265,000 $2,408 7.13%
WICHITA, KS (FHA|USDA|VA) 1 $245,000 $245,000 $2,483 6.25%
Klamath Falls, OR (FHA|USDA|VA) 1 $245,000 $245,000 $2,813 6.88%
St. Marys, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,661 6.13%
Mount Sterling, KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,266 5.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,112 6.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $225,000 $225,000 $3,159 7.38%
FLINT, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,311 5.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $215,000 $215,000 $3,510 6.50%
Silver City, NM (FHA|USDA|VA) 1 $185,000 $185,000 $4,830 7.38%
Auburn, NY (FHA|USDA|VA) 1 $165,000 $165,000 $5,404 6.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,828 7.00%
Corning, NY (FHA|USDA|VA) 1 $135,000 $135,000 $4,537 6.63%
STAUNTON, VA (FHA|USDA|VA) 1 $105,000 $105,000 $2,720 6.50%
Ubs Bank Usa's top markets include New York, Los Angeles, Miami, Bridgeport, and Phoenix 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)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against UBS Bank USA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Republic Bank
    Similarity Rank: 21
    Charter Oak Federal Credit Union
    Similarity Rank: 32
    COASTHILLS
    Similarity Rank: 45
    OCEAN STATE CREDIT UNION
    Similarity Rank: 45
    SOMERSET
    Similarity Rank: 48
    ABNB Federal Credit Union
    Similarity Rank: 65
    SYNERGY HOME MORTGAGE, LLC
    Similarity Rank: 92
    MISSION
    Similarity Rank: 93

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,495 $3,064,195,000 $1,228,134 $7,286 6.04%

    For 2023, Ubs Bank Usa's most frequently originated type of loan was Conventional, with 2,495 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,694 $1,842,160,000 $1,087,462 $7,299 6.06%
    Other 640 $955,080,000 $1,492,313 $7,184 5.99%
    Cash Out Refi 84 $180,660,000 $2,150,714 $8,136 6.16%
    Refi 77 $86,295,000 $1,120,714 $6,825 6.05%

    For 2023, Ubs Bank Usa's most frequently cited loan purpose was Home Purchase, with 1,694 originations. The 2nd most popular reason was Other, with 640 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,452 $3,037,440,000 $1,238,760 $7,328 6.04%
    15 Year 26 $10,820,000 $416,154 $4,894 6.06%
    20 Year 10 $4,470,000 $447,000 $4,655 6.55%
    10 Year 4 $10,250,000 $2,562,500 $6,359 5.97%
    Other 3 $1,215,000 $405,000 $3,907 7.00%

    For 2023, Ubs Bank Usa's most frequently cited loan duration was 30 Year, with 2,452 originations. The 2nd most popular length was 15 Year, with 26 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,167 $2,683,435,000 $1,238,318
    $5k+ 81 $149,195,000 $1,841,914
    $1k-2k 53 $24,875,000 $469,340
    $2k-3k 28 $19,270,000 $688,214
    $3k-4k 20 $19,620,000 $981,000
    $4k-5k 14 $15,540,000 $1,110,000

    Ubs Bank Usa's average total fees were $7,328, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,167 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,193 $1,675,655,000 $1,404,573
    6-7% 948 $969,260,000 $1,022,426
    7-8% 198 $118,900,000 $600,505
    4-5% 142 $284,010,000 $2,000,070
    3-4% 7 $10,915,000 $1,559,286
    Over 8% 5 $2,705,000 $541,000
    2.5-3% 2 $2,750,000 $1,375,000

    During 2023, Ubs Bank Usa's average interest rate for loans was 6.04%, while their most frequently originated rate bucket for loans was 5-6%, with 1,193 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 970 $2,148,800,000 $2,215,258 $10,387 5.83%
    $600k-1MM 861 $665,985,000 $773,502 $5,926 6.00%
    $200k-400k 312 $94,240,000 $302,051 $4,152 6.45%
    $400k-600k 302 $148,100,000 $490,397 $4,834 6.32%
    $100k-200k 47 $6,865,000 $146,064 $3,748 6.63%
    $100,000 or less 3 $205,000 $68,333 $3,513 7.04%

    2023 saw Ubs Bank Usa place emphasis on $1MM+ loans with 970 originations, totaling $2,148,800,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,816 $2,658,600,000 $1,463,987 $8,192 5.97%
    $150k-250k 398 $238,170,000 $598,417 $5,233 6.19%
    $100k-150k 162 $60,240,000 $371,852 $4,464 6.28%
    $75k-100k 70 $18,250,000 $260,714 $3,779 6.42%
    $50k-75k 25 $5,555,000 $222,200 $3,966 6.51%
    $50k or less 4 $2,030,000 $507,500 $7,552 6.56%

    Ubs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 1,816 originations. The second most popular income band? $150k-250k, with 398 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 422 $450,070,000 $1,066,517 $6,996 6.05%
    30-36% 345 $360,805,000 $1,045,812 $6,771 6.05%
    <20% 204 $258,840,000 $1,268,824 $7,756 6.01%
    44% 149 $167,925,000 $1,127,013 $6,678 6.17%
    50-60% 132 $258,650,000 $1,959,470 $8,329 5.91%
    43% 123 $124,995,000 $1,016,220 $6,390 6.21%
    42% 116 $141,360,000 $1,218,621 $7,356 6.16%
    41% 105 $115,205,000 $1,097,190 $6,772 6.07%
    38% 105 $113,385,000 $1,079,857 $7,328 6.00%
    39% 103 $119,425,000 $1,159,466 $6,637 6.17%
    37% 93 $116,585,000 $1,253,602 $7,294 6.12%
    49% 91 $116,925,000 $1,284,890 $8,002 5.98%
    40% 87 $72,815,000 $836,954 $6,112 6.06%
    36% 85 $92,065,000 $1,083,118 $6,861 6.03%
    48% 76 $109,070,000 $1,435,132 $6,741 5.93%
    46% 73 $85,065,000 $1,165,274 $7,345 5.99%
    45% 71 $87,025,000 $1,225,704 $7,908 6.03%
    47% 63 $101,545,000 $1,611,825 $11,041 5.93%
    >60% 39 $104,395,000 $2,676,795 $11,315 5.72%

    Ubs Bank Usa lent most frequently to those with DTI ratios of 20-30%, with 422 originations. The next most common DTI ratio? 30-36%, with 345 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,998 $2,361,030,000 $1,181,697 $7,126 6.06%
    Not provided 336 $467,020,000 $1,389,940 $8,168 5.97%
    Asian 97 $111,805,000 $1,152,629 $7,657 5.98%
    Not applicable 15 $75,495,000 $5,033,000 $15,885 5.65%
    Black 31 $31,305,000 $1,009,839 $6,801 6.30%
    American Indian 7 $5,545,000 $792,143 $6,765 6.32%
    Asian Indian 3 $4,415,000 $1,471,667 $5,842 6.71%
    Native Hawaiian or Islander 3 $2,625,000 $875,000 $4,611 5.96%
    Other Asian 3 $2,435,000 $811,667 $4,527 5.92%
    Japanese 1 $1,445,000 $1,445,000 $4,934 5.63%
    Chinese 1 $1,075,000 $1,075,000 $6,039 6.63%

    Approval Rates

    Total approvals of all applications
    92.87%

    Ubs Bank Usa has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.03%

    Ubs Bank Usa has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,495 $3,064,195,000 $1,228,134

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,495 $3,064,195,000 $1,228,134

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 219 $196,825,000 $898,744 $6,278 6.10%
    40-60% 457 $572,465,000 $1,252,659 $7,233 6.04%
    60-80% 1,134 $1,463,510,000 $1,290,573 $7,464 6.02%
    80-100% 659 $816,865,000 $1,239,552 $7,399 6.06%
    Under 20% 26 $14,530,000 $558,846 $6,086 6.31%