Ubs Bank Usa Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 549300GWD9H4FQ2VR805

Tax ID: 87-0477597

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Mortgage Data

Bank Data

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% 4/22/24
30 Year Conventional Refi 6.18% 4/22/24
30 Year Cash-out Refi 6.23% 4/22/24
15 Year Conventional Purchase 5.68% 4/22/24
15 Year Conventional Refi 5.98% 4/22/24
15 Year Cash-out Refi 5.98% 4/22/24
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

5,938

Origination Dollar Volume (All Markets)

$7,939,080,000

Employee count

507 Show all (69) awards

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%
Ubs Bank Usa's top markets include New York, Los Angeles, Miami, San Francisco, and San Diego among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,086 $3,067,160,000 $1,470,355 $8,832 2.72%
    Refi 1,644 $1,980,790,000 $1,204,860 $5,837 2.82%
    Other 1,531 $2,137,735,000 $1,396,300 $6,784 2.73%
    Cash Out Refi 677 $753,395,000 $1,112,843 $6,159 2.97%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,385 $7,333,575,000 $1,361,852 $7,377 2.77%
    15 Year 344 $237,550,000 $690,552 $5,280 2.75%
    20 Year 160 $102,520,000 $640,750 $5,159 3.00%
    10 Year 42 $22,760,000 $541,905 $4,221 2.76%
    3 Year 4 $73,960,000 $18,490,000 $0 3.11%
    Other 3 $168,715,000 $56,238,333 $0 3.10%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,562 $7,322,530,000 $1,316,528
    $1k-2k 80 $28,290,000 $353,625
    $5k+ 67 $133,375,000 $1,990,672
    $2k-3k 16 $10,280,000 $642,500
    $3k-4k 12 $8,450,000 $704,167
    $4k-5k 7 $9,455,000 $1,350,714

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 2,552 $5,864,880,000 $2,298,150 $10,017 2.64%
    $600k-1MM 1,831 $1,410,475,000 $770,330 $5,484 2.77%
    $400k-600k 939 $507,495,000 $540,463 $4,869 2.86%
    $200k-400k 452 $132,230,000 $292,544 $3,963 3.26%
    $100k-200k 143 $22,275,000 $155,769 $3,320 3.19%
    $100,000 or less 21 $1,725,000 $82,143 $3,106 3.13%

    2021 saw Ubs Bank Usa place emphasis on $1MM+ loans with 2,552 originations, totaling $5,864,880,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 4,090 $6,452,900,000 $1,577,726 $8,181 2.70%
    $150k-250k 1,090 $759,960,000 $697,211 $5,151 2.86%
    $100k-150k 422 $212,190,000 $502,820 $4,499 2.99%
    $75k-100k 132 $44,120,000 $334,242 $3,992 3.22%
    $50k-75k 121 $27,075,000 $223,760 $3,614 3.29%
    $50k or less 29 $4,605,000 $158,793 $3,378 3.22%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,165 $1,332,135,000 $1,143,464 $7,032 2.80%
    30-36% 870 $1,040,340,000 $1,195,793 $6,743 2.79%
    <20% 830 $1,019,800,000 $1,228,675 $6,959 2.75%
    50-60% 475 $779,035,000 $1,640,074 $8,266 2.66%
    44% 241 $374,705,000 $1,554,793 $7,800 2.79%
    43% 225 $255,865,000 $1,137,178 $6,396 2.82%
    41% 204 $288,190,000 $1,412,696 $8,107 2.77%
    39% 189 $225,115,000 $1,191,085 $6,584 2.81%
    45% 175 $225,205,000 $1,286,886 $6,900 2.83%
    42% 172 $274,530,000 $1,596,105 $8,131 2.81%
    47% 169 $197,765,000 $1,170,207 $7,290 2.82%
    40% 166 $210,460,000 $1,267,831 $7,233 2.80%
    37% 161 $205,435,000 $1,275,994 $6,631 2.79%
    46% 160 $204,540,000 $1,278,375 $7,231 2.82%
    38% 159 $184,245,000 $1,158,774 $6,146 2.80%
    36% 156 $170,740,000 $1,094,487 $6,275 2.79%
    48% 155 $177,835,000 $1,147,323 $6,667 2.79%
    49% 153 $196,225,000 $1,282,516 $6,982 2.78%
    >60% 64 $154,490,000 $2,413,906 $10,560 2.52%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,599 $5,482,315,000 $1,192,067 $6,893 2.79%
    Not provided 1,001 $1,606,205,000 $1,604,600 $8,081 2.73%
    Not applicable 53 $425,225,000 $8,023,113 $13,766 2.70%
    Asian 196 $280,320,000 $1,430,204 $7,708 2.69%
    Black 63 $104,505,000 $1,658,810 $8,081 2.83%
    Other Asian 1 $16,205,000 $16,205,000 $21,670 2.75%
    American Indian 11 $11,605,000 $1,055,000 $6,458 2.82%
    Asian Indian 5 $5,065,000 $1,013,000 $4,971 2.70%
    Native Hawaiian or Islander 6 $4,760,000 $793,333 $4,341 2.85%
    Filipino 1 $1,405,000 $1,405,000 $7,569 2.50%
    Vietnamese 1 $1,205,000 $1,205,000 $6,051 3.25%
    Chinese 1 $265,000 $265,000 $0 3.13%

    Approval Rates

    Total approvals of all applications
    94.71%

    Ubs Bank Usa has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.51%

    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

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 685 $623,445,000 $910,139 $5,996 2.82%
    40-60% 1,536 $1,838,880,000 $1,197,188 $6,388 2.81%
    60-80% 2,401 $3,719,065,000 $1,548,965 $7,724 2.76%
    80-100% 1,221 $1,695,955,000 $1,388,989 $7,866 2.74%
    Under 20% 95 $61,735,000 $649,842 $5,202 2.86%

    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