Ubs Bank Usa Mortgage Rates, Fees & Info
Salt Lake City, UTLEI: 549300GWD9H4FQ2VR805
Tax ID: 87-0477597
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Review & Overview
Ubs Bank Usa is a large bank specializing in Home Purchase, Refi, 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 San Diego 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% | 12/17/24 |
| 30 Year Conventional Refi | 6.18% | 12/17/24 |
| 30 Year Cash-out Refi | 6.23% | 12/17/24 |
| 15 Year Conventional Purchase | 5.68% | 12/17/24 |
| 15 Year Conventional Refi | 5.98% | 12/17/24 |
| 15 Year Cash-out Refi | 5.98% | 12/17/24 |
| 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
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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
5,938Origination Dollar Volume (All Markets)
$7,939,080,000Employee count
507Awards
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UBS Bank USA - 2021
UBS Bank USA is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 762 | $1,068,230,000 | $1,401,877 | $8,609 | 2.76% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 516 | $970,370,000 | $1,880,562 | $7,523 | 2.72% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 351 | $714,035,000 | $2,034,288 | $11,610 | 2.69% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 276 | $454,200,000 | $1,645,652 | $7,690 | 2.69% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 149 | $216,695,000 | $1,454,329 | $6,468 | 2.77% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 112 | $204,930,000 | $1,829,732 | $9,508 | 2.77% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 130 | $202,740,000 | $1,559,538 | $8,120 | 2.73% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 104 | $188,070,000 | $1,808,365 | $9,080 | 2.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 158 | $186,040,000 | $1,177,468 | $6,119 | 2.76% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 144 | $170,310,000 | $1,182,708 | $5,816 | 2.80% |
| Outside of Metro Areas | 128 | $145,420,000 | $1,136,094 | $6,155 | 2.80% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 127 | $133,645,000 | $1,052,323 | $5,870 | 2.82% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 120 | $132,320,000 | $1,102,667 | $5,892 | 2.81% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 133 | $127,395,000 | $957,857 | $4,863 | 2.83% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 85 | $116,225,000 | $1,367,353 | $9,276 | 2.70% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 84 | $110,840,000 | $1,319,524 | $12,382 | 2.72% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 117 | $108,005,000 | $923,120 | $5,709 | 2.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 40 | $100,150,000 | $2,503,750 | $7,202 | 2.65% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 72 | $96,720,000 | $1,343,333 | $6,909 | 2.80% |
| Heber, UT (FHA|USDA|VA) | 41 | $90,005,000 | $2,195,244 | $7,678 | 2.60% |
| Glenwood Springs, CO (FHA|USDA|VA) | 18 | $88,740,000 | $4,930,000 | $13,391 | 2.71% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 58 | $83,770,000 | $1,444,310 | $6,251 | 2.70% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 80 | $75,610,000 | $945,125 | $4,775 | 2.84% |
| Edwards, CO (FHA|USDA|VA) | 31 | $70,145,000 | $2,262,742 | $9,945 | 2.60% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 80 | $65,140,000 | $814,250 | $5,120 | 2.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 52 | $61,770,000 | $1,187,885 | $5,766 | 2.70% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 68 | $58,930,000 | $866,618 | $5,311 | 2.93% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 56 | $58,230,000 | $1,039,821 | $7,727 | 2.89% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 46 | $50,690,000 | $1,101,957 | $6,587 | 2.78% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 34 | $50,680,000 | $1,490,588 | $5,791 | 2.80% |
| Jackson, WY-ID (FHA|USDA|VA) | 17 | $48,395,000 | $2,846,765 | $11,110 | 2.68% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 40 | $47,310,000 | $1,182,750 | $4,713 | 2.77% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 37 | $42,435,000 | $1,146,892 | $5,834 | 2.76% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 59 | $42,275,000 | $716,525 | $3,887 | 2.98% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 39 | $41,015,000 | $1,051,667 | $5,206 | 2.79% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 27 | $39,175,000 | $1,450,926 | $9,582 | 2.68% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 39 | $38,145,000 | $978,077 | $5,077 | 2.73% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 40 | $36,890,000 | $922,250 | $7,614 | 2.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 20 | $34,360,000 | $1,718,000 | $9,743 | 2.80% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 28 | $33,700,000 | $1,203,571 | $5,770 | 2.74% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $31,435,000 | $10,478,333 | $3,031 | 3.30% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 19 | $31,325,000 | $1,648,684 | $7,255 | 2.79% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 28 | $30,090,000 | $1,074,643 | $5,715 | 2.72% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 29 | $29,965,000 | $1,033,276 | $8,078 | 2.78% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 38 | $29,340,000 | $772,105 | $6,592 | 2.86% |
| Breckenridge, CO (FHA|USDA|VA) | 20 | $28,780,000 | $1,439,000 | $5,680 | 2.69% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 20 | $27,400,000 | $1,370,000 | $5,028 | 2.71% |
| RENO, NV (FHA|USDA|VA) | 22 | $27,200,000 | $1,236,364 | $6,435 | 2.80% |
| Key West, FL (FHA|USDA|VA) | 19 | $26,085,000 | $1,372,895 | $9,624 | 2.72% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 18 | $25,970,000 | $1,442,778 | $9,207 | 2.56% |
| BEND, OR (FHA|USDA|VA) | 29 | $24,925,000 | $859,483 | $5,817 | 2.74% |
| BOULDER, CO (FHA|USDA|VA) | 24 | $24,510,000 | $1,021,250 | $4,901 | 2.79% |
| SALINAS, CA (FHA|USDA|VA) | 21 | $23,985,000 | $1,142,143 | $4,898 | 2.61% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 38 | $23,550,000 | $619,737 | $4,345 | 2.81% |
| Hilo, HI (FHA|USDA|VA) | 7 | $23,425,000 | $3,346,429 | $11,115 | 2.61% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $23,240,000 | $968,333 | $9,176 | 2.69% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 26 | $22,920,000 | $881,538 | $5,058 | 2.82% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 20 | $21,280,000 | $1,064,000 | $5,957 | 2.76% |
| SANTA FE, NM (FHA|USDA|VA) | 25 | $20,415,000 | $816,600 | $6,060 | 2.79% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $20,070,000 | $2,007,000 | $4,673 | 3.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 16 | $20,000,000 | $1,250,000 | $8,139 | 2.61% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 7 | $16,045,000 | $2,292,143 | $7,767 | 3.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 13 | $15,735,000 | $1,210,385 | $6,048 | 2.92% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $15,550,000 | $7,775,000 | $4,977 | 2.80% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 12 | $15,440,000 | $1,286,667 | $7,840 | 2.73% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 35 | $15,145,000 | $432,714 | $3,939 | 2.94% |
| Lebanon, NH-VT (FHA|USDA|VA) | 15 | $14,995,000 | $999,667 | $5,881 | 2.76% |
| Bozeman, MT (FHA|USDA|VA) | 9 | $14,895,000 | $1,655,000 | $6,355 | 2.81% |
| NAPA, CA (FHA|USDA|VA) | 9 | $14,645,000 | $1,627,222 | $7,029 | 2.85% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $14,485,000 | $1,609,444 | $15,042 | 2.67% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 24 | $14,270,000 | $594,583 | $3,414 | 2.79% |
| Vineyard Haven, MA (FHA|USDA|VA) | 7 | $13,995,000 | $1,999,286 | $8,660 | 2.98% |
| Steamboat Springs, CO (FHA|USDA|VA) | 12 | $13,010,000 | $1,084,167 | $4,771 | 2.73% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 18 | $12,990,000 | $721,667 | $4,030 | 2.94% |
| Kapaa, HI (FHA|USDA|VA) | 10 | $12,960,000 | $1,296,000 | $9,937 | 2.80% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 17 | $12,725,000 | $748,529 | $4,671 | 2.91% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $12,250,000 | $2,041,667 | $8,858 | 2.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 17 | $12,225,000 | $719,118 | $4,429 | 2.88% |
| Hailey, ID (FHA|USDA|VA) | 8 | $11,820,000 | $1,477,500 | $8,347 | 2.55% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 18 | $11,640,000 | $646,667 | $3,636 | 2.84% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $11,615,000 | $2,323,000 | $11,480 | 2.65% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 12 | $11,400,000 | $950,000 | $4,462 | 2.72% |
| LOUISVILLE, KY (FHA|USDA|VA) | 12 | $10,490,000 | $874,167 | $5,173 | 2.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 10 | $10,430,000 | $1,043,000 | $7,179 | 2.66% |
| Torrington, CT (FHA|USDA|VA) | 7 | $9,915,000 | $1,416,429 | $8,153 | 2.66% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 16 | $9,590,000 | $599,375 | $4,983 | 2.99% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 12 | $9,420,000 | $785,000 | $10,264 | 3.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 9 | $8,875,000 | $986,111 | $6,712 | 2.90% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 12 | $8,750,000 | $729,167 | $5,278 | 3.02% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 9 | $8,625,000 | $958,333 | $7,032 | 2.60% |
| ANN ARBOR, MI (FHA|USDA|VA) | 10 | $8,190,000 | $819,000 | $4,102 | 2.89% |
| Traverse City, MI (FHA|USDA|VA) | 11 | $7,315,000 | $665,000 | $4,106 | 3.05% |
| Kalispell, MT (FHA|USDA|VA) | 7 | $7,125,000 | $1,017,857 | $5,359 | 2.82% |
| BOISE CITY, ID (FHA|USDA|VA) | 11 | $7,115,000 | $646,818 | $5,402 | 2.78% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $7,095,000 | $1,013,571 | $6,374 | 2.73% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 10 | $6,820,000 | $682,000 | $4,588 | 2.61% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 9 | $6,705,000 | $745,000 | $4,349 | 2.93% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $6,670,000 | $667,000 | $3,830 | 3.04% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 11 | $6,425,000 | $584,091 | $5,509 | 2.83% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $6,405,000 | $1,281,000 | $6,181 | 2.70% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $6,370,000 | $796,250 | $4,482 | 3.06% |
| Bennington, VT (FHA|USDA|VA) | 8 | $6,300,000 | $787,500 | $6,438 | 2.83% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 10 | $6,040,000 | $604,000 | $3,984 | 2.91% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 5 | $5,965,000 | $1,193,000 | $7,680 | 2.70% |
| Cullowhee, NC (FHA|USDA|VA) | 8 | $5,860,000 | $732,500 | $5,495 | 2.89% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $5,615,000 | $802,143 | $4,246 | 2.98% |
| Taos, NM (FHA|USDA|VA) | 4 | $5,600,000 | $1,400,000 | $8,391 | 2.94% |
| KINGSTON, NY (FHA|USDA|VA) | 7 | $5,545,000 | $792,143 | $6,452 | 2.95% |
| ASHEVILLE, NC (FHA|USDA|VA) | 8 | $5,500,000 | $687,500 | $4,399 | 3.03% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $5,475,000 | $782,143 | $4,445 | 2.82% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $5,340,000 | $1,335,000 | $7,245 | 2.66% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $5,290,000 | $661,250 | $6,206 | 2.72% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $5,250,000 | $875,000 | $3,852 | 2.77% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $5,230,000 | $871,667 | $3,621 | 2.69% |
| Ellensburg, WA (FHA|USDA|VA) | 5 | $5,175,000 | $1,035,000 | $4,810 | 2.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $4,965,000 | $709,286 | $5,351 | 2.93% |
| KNOXVILLE, TN (FHA|USDA|VA) | 11 | $4,765,000 | $433,182 | $4,101 | 3.18% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $4,680,000 | $1,170,000 | $4,932 | 2.81% |
| LAFAYETTE, LA (FHA|USDA|VA) | 4 | $4,650,000 | $1,162,500 | $6,568 | 3.22% |
| Boone, NC (FHA|USDA|VA) | 6 | $4,390,000 | $731,667 | $4,385 | 2.83% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $4,385,000 | $626,429 | $3,811 | 2.82% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $4,345,000 | $1,448,333 | $4,915 | 2.67% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $4,260,000 | $710,000 | $7,425 | 2.96% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $4,230,000 | $528,750 | $4,233 | 2.94% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $4,210,000 | $701,667 | $7,839 | 2.60% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $4,135,000 | $590,714 | $3,983 | 3.05% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $4,080,000 | $2,040,000 | $12,072 | 2.56% |
| Hudson, NY (FHA|USDA|VA) | 4 | $4,060,000 | $1,015,000 | $8,325 | 2.84% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $3,920,000 | $653,333 | $3,901 | 3.08% |
| PITTSBURGH, PA (FHA|USDA|VA) | 7 | $3,785,000 | $540,714 | $6,286 | 2.70% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $3,625,000 | $725,000 | $3,564 | 2.80% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 7 | $3,535,000 | $505,000 | $4,269 | 3.36% |
| Easton, MD (FHA|USDA|VA) | 3 | $3,515,000 | $1,171,667 | $6,562 | 2.96% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $3,515,000 | $1,171,667 | $6,900 | 2.58% |
| Outside of Metro Areas | 4 | $3,440,000 | $860,000 | $6,267 | 2.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 7 | $3,425,000 | $489,286 | $5,704 | 2.79% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $3,385,000 | $483,571 | $4,114 | 2.95% |
| OCALA, FL (FHA|USDA|VA) | 4 | $3,250,000 | $812,500 | $6,521 | 2.63% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $3,180,000 | $1,590,000 | $8,190 | 2.94% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $3,115,000 | $1,038,333 | $6,606 | 2.92% |
| AKRON, OH (FHA|USDA|VA) | 7 | $3,095,000 | $442,143 | $3,876 | 3.29% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $3,090,000 | $772,500 | $6,463 | 3.03% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $3,005,000 | $601,000 | $4,102 | 3.05% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $2,905,000 | $2,905,000 | $14,127 | 2.13% |
| PITTSFIELD, MA (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $5,982 | 2.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $2,835,000 | $567,000 | $3,345 | 2.95% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $2,775,000 | $925,000 | $4,646 | 2.67% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 4 | $2,720,000 | $680,000 | $3,872 | 2.84% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $2,660,000 | $665,000 | $6,267 | 2.78% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $4,867 | 3.18% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $2,550,000 | $637,500 | $5,231 | 2.91% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $2,550,000 | $1,275,000 | $6,249 | 2.94% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 5 | $2,485,000 | $497,000 | $3,439 | 2.60% |
| NILES, MI (FHA|USDA|VA) | 3 | $2,455,000 | $818,333 | $5,273 | 2.71% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $2,450,000 | $1,225,000 | $11,195 | 2.69% |
| Seneca, SC (FHA|USDA|VA) | 3 | $2,445,000 | $815,000 | $4,955 | 2.67% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $2,425,000 | $2,425,000 | $14,861 | 2.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $2,360,000 | $590,000 | $7,046 | 2.66% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $2,335,000 | $778,333 | $3,940 | 2.92% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $2,190,000 | $1,095,000 | $4,486 | 3.00% |
| Granbury, TX (FHA|USDA|VA) | 2 | $2,180,000 | $1,090,000 | $8,129 | 3.00% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $2,125,000 | $708,333 | $4,548 | 3.21% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $2,105,000 | $701,667 | $4,781 | 3.25% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $2,020,000 | $1,010,000 | $3,125 | 2.69% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $1,990,000 | $497,500 | $5,318 | 3.13% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $1,970,000 | $985,000 | $5,797 | 2.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,955,000 | $651,667 | $3,931 | 2.71% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $1,950,000 | $975,000 | $4,756 | 2.63% |
| LINCOLN, NE (FHA|USDA|VA) | 3 | $1,925,000 | $641,667 | $3,649 | 2.67% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $5,133 | 2.83% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $7,203 | 2.50% |
| Laconia, NH (FHA|USDA|VA) | 1 | $1,775,000 | $1,775,000 | $5,900 | 2.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $6,245 | 2.96% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $4,712 | 3.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $1,675,000 | $1,675,000 | $48,779 | 2.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $3,644 | 2.69% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $3,568 | 2.71% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $1,650,000 | $825,000 | $8,578 | 2.56% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $4,423 | 2.83% |
| Brenham, TX (FHA|USDA|VA) | 1 | $1,575,000 | $1,575,000 | $21,127 | 2.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $3,759 | 2.79% |
| MADISON, WI (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $3,584 | 3.17% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $4,322 | 3.00% |
| Hood River, OR (FHA|USDA|VA) | 2 | $1,560,000 | $780,000 | $4,786 | 2.94% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $10,400 | 2.38% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $4,371 | 2.94% |
| Durango, CO (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $6,104 | 3.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $5,422 | 2.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $4,008 | 3.16% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $5,874 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $9,161 | 2.83% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $4,346 | 2.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $4,436 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $20,277 | 3.19% |
| Athens, TX (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $7,800 | 2.75% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $4,717 | 3.06% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $4,213 | 2.25% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $5,676 | 2.88% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $6,705 | 3.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $3,310 | 3.04% |
| Platteville, WI (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $3,996 | 2.75% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $1,175,000 | $1,175,000 | $4,950 | 2.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $7,259 | 2.88% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $4,062 | 3.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $4,059 | 3.31% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $4,102 | 2.75% |
| Forest City, NC (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $4,633 | 3.00% |
| Montrose, CO (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $4,032 | 2.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $3,714 | 3.17% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $7,503 | 2.75% |
| CASPER, WY (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,541 | 2.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $8,469 | 2.88% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $4,559 | 2.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $4,003 | 3.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $3,662 | 3.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $3,669 | 2.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,253 | 2.88% |
| Brevard, NC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,607 | 2.94% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,206 | 3.56% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,839 | 3.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $6,027 | 2.75% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $5,381 | 2.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $6,262 | 3.63% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,114 | 2.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,116 | 2.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,418 | 2.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,052 | 2.94% |
| Concord, NH (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,100 | 2.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $4,068 | 2.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $3,532 | 2.63% |
| Barre, VT (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $4,665 | 2.50% |
| Elkins, WV (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,387 | 3.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,887 | 3.13% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $4,351 | 2.38% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,542 | 2.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $5,346 | 3.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,871 | 2.81% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,926 | 2.63% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $9,457 | 2.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,860 | 2.94% |
| Crossville, TN (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,254 | 2.69% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,887 | 2.38% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $6,399 | 2.38% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,212 | 2.38% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,216 | 3.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,092 | 2.63% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,505 | 2.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $16,246 | 2.88% |
| Bay City, TX (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $8,351 | 2.88% |
| READING, PA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,228 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,114 | 2.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,979 | 2.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,273 | 3.19% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,554 | 2.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,813 | 3.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $7,205 | 3.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,515 | 2.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,576 | 2.75% |
| Payson, AZ (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,542 | 2.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,419 | 2.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,492 | 2.88% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,774 | 2.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $6,637 | 2.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,905 | 2.38% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,819 | 3.25% |
| Holland, MI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,532 | 2.88% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,180 | 3.25% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,957 | 2.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,789 | 2.75% |
| Helena, MT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,594 | 3.00% |
| Ludington, MI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,366 | 2.63% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 3.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,119 | 3.13% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,531 | 2.38% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,105 | 3.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,656 | 3.13% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,309 | 3.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,202 | 4.08% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,849 | 3.50% |
| Berlin, NH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,778 | 3.50% |
| North Platte, NE (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,861 | 3.25% |
| Dayton, TN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,368 | 3.13% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,395 | 3.06% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,047 | 2.56% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,827 | 3.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,697 | 3.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,507 | 3.63% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,177 | 3.50% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,716 | 2.88% |
| Meadville, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,771 | 3.75% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,204 | 3.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,382 | 3.63% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,078 | 3.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,714 | 3.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,755 | 2.88% |
| La Grande, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,400 | 3.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,407 | 2.75% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,910 | 2.88% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,383 | 2.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,242 | 3.38% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,247 | 3.63% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,037 | 2.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,166 | 3.25% |
| Rutland, VT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,980 | 3.13% |
| FLINT, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,635 | 3.25% |
| MONROE, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,566 | 2.63% |
| Silver City, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,785 | 2.88% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,387 | 2.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,003 | 3.13% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.13% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 5,938 | $7,939,080,000 | $1,336,996 | $7,176 | 2.78% |
For 2021, Ubs Bank Usa's most frequently originated type of loan was Conventional, with 5,938 originations.
Loan Reason
For 2021, Ubs Bank Usa's most frequently cited loan purpose was Home Purchase, with 2,086 originations. The 2nd most popular reason was Refi, with 1,644 originations.
Loan Duration/Length
For 2021, Ubs Bank Usa's most frequently cited loan duration was 30 Year, with 5,385 originations. The 2nd most popular length was 15 Year, with 344 originations.
Origination Fees/Closing Costs
Ubs Bank Usa's average total fees were $7,377, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,562 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,086 | $3,798,640,000 | $1,230,927 |
| <2.5% | 1,736 | $3,295,640,000 | $1,898,410 |
| 3-4% | 1,100 | $839,750,000 | $763,409 |
| 4-5% | 16 | $5,050,000 | $315,625 |
During 2021, Ubs Bank Usa's average interest rate for loans was 2.77%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,086 originations.
Loan Sizing
2021 saw Ubs Bank Usa place emphasis on $1MM+ loans with 2,552 originations, totaling $5,864,880,000 in origination value.
Applicant Income
Ubs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 4,090 originations. The second most popular income band? $150k-250k, with 1,090 originations.
Applicant Debt to Income Ratio
Ubs Bank Usa lent most frequently to those with DTI ratios of 20-30%, with 1,165 originations. The next most common DTI ratio? 30-36%, with 870 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.71%
Ubs Bank Usa has an average approval rate.
Pick Rate
Approvals leading to origination75.51%
Ubs Bank Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,938 | $7,939,080,000 | $1,336,996 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,938 | $7,939,080,000 | $1,336,996 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UBS BANK USA | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 100.0% |
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 | $86,192,020 |
For 2021, Ubs Bank Usa had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $1,852,115 |
| Net interest income | $1,742,472 |
| Total noninterest income | $54,952 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $0 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $54,952 |
| Pre-tax net operating income | $1,444,498 |
| Securities gains (or losses, -) | $5,931 |
| Income before extraordinary items | $1,051,875 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $1,051,875 |
| Minority interest net income | $0 |
| Net income | $1,051,875 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $1,047,189 |
Ubs Bank Usa's gross interest income from loans was $1,852,115,000.
Ubs Bank Usa's net interest income from loans was $1,742,472,000.
Ubs Bank Usa's fee based income from loans was $0.
Ubs Bank Usa's net income from loans was $1,051,875,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $109,643 |
| Provision for credit losses | $8,518 |
| Total noninterest expense | $344,408 |
| Salaries and employee benefits | $101,600 |
| Premises and equipment expense | $7,426 |
| Additional noninterest expense | $235,382 |
| Applicable income taxes | $398,554 |
| Net charge-offs | $1,703 |
| Cash dividends | $0 |
Ubs Bank Usa's interest expense for loans was $109,643,000.
Ubs Bank Usa's payroll and benefits expense were $101,600,000.
Ubs Bank Usa's property, plant and equipment expenses $7,426,000.
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 | 0.0% |
| 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 | 0.2% |
| 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 | $111,602,591 |
| Deposits held in domestic offices | $111,602,591 |
| Deposits by Individuals, partnerships, and corporations | $111,504,215 |
| Deposits by U.S. Government | $2,445 |
| Deposits by States and political subdivisions in the U.S. | $94,763 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,168 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $10,237 |
| Demand deposits | $9,698 |
| Nontransaction accounts | $111,592,354 |
| Money market deposit accounts (MMDAs) | $106,516,604 |
| Other savings deposits (excluding MMDAs) | $0 |
| Total time deposits | $5,075,749 |
| Total time and savings deposits | $111,592,893 |
| Noninterest-bearing deposits | $10,237 |
| Interest-bearing deposits | $111,592,354 |
| Retail deposits | $106,526,842 |
| IRAs and Keogh plan accounts | $15,137,500 |
| Brokered deposits | $5,075,749 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $121,064,212 |
| Cash & Balances due from depository institutions | $33,658,425 |
| Interest-bearing balances | $33,643,213 |
| Total securities | $7,491,104 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $79,266,239 |
| Loan and leases loss allowance | $60,601 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $12,167 |
| Other real estate owned | $931 |
| Goodwill and other intangibles | $4,760 |
| All other assets | $630,586 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $121,064,212 |
| Total Liabilities | $112,647,804 |
| Total deposits | $111,602,591 |
| Interest-bearing deposits | $111,592,354 |
| Deposits held in domestic offices | $111,602,591 |
| % insured (estimated) | $57 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $751,029 |
| Subordinated debt | $0 |
| All other liabilities | $294,184 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $79,266,239 |
| Loan and leases loss allowance | $60,601 |
| Total loans and leases (domestic) | $79,326,840 |
| All real estate loans | $24,182,820 |
| Real estate loans in domestic offices | $24,182,820 |
| Construction and development loans | $439 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $439 |
| Loans secured by nonfarm nonresidential properties | $868,346 |
| Nonfarm nonresidential secured by owner-occupied properties | $25,552 |
| Commercial real estate & other non-farm, non-residential | $842,794 |
| Multifamily residential real estate | $457,366 |
| 1-4 family residential loans | $22,856,669 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $9,534,431 |
| To non-U.S. addressees | $521,169 |
| Loans to individuals | $40,452,035 |
| Credit card loans | $256,342 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $40,195,693 |
| All other loans & leases | $5,157,554 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $5,138,832 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $5,511,220 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $545 |
| Non 1-4 family restructured loans & leases | $545 |
| Total loans and leases (foreign) | $0 |
UBS Bank USA had $79,266,239,000 of loans outstanding in 2021. $24,182,820,000 of loans were in real estate loans. $439,000 of loans were in development loans. $457,366,000 of loans were in multifamily mortgage loans. $22,856,669,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $256,342,000 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1 | $57 | $57,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 1 | $57 | $57,000 |
| Commercial & Industrial, US addressed loans - <$1MM | 5,074 | $801,296 | $157,922 |
| Commercial & Industrial, US addressed loans - <$100k | 3,140 | $47,404 | $15,097 |
| Commercial & Industrial, US addressed loans - $100-250k | 697 | $112,729 | $161,735 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,237 | $641,163 | $518,321 |