# UBS Bank USA

> **Canonical URL:** https://saferate.com/lenders/ubs-bank-usa


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UBS Bank USA is a bank, headquartered in Salt Lake City, UT, serving borrowers nationwide, with 1,680 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GWD9H4FQ2VR805
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.033%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $998
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,680
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 2,205
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,020,345
- **Average Borrower Income:** $592,798
- **Average Property Value:** $1,523,244

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 792 | +0.111% | $1,013 | Sound ☺️ |
| Jumbo | 89/100 | 888 | -0.210% | $979 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 732 loans, Score: 54/100 (Sound)
- Refinance: 60 loans, Score: 45/100 (Sound)

**Jumbo:**
- Purchase: 804 loans, Score: 90/100 (Exceptional)
- Refinance: 84 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 1,536 | $1.6B | -0.039% | Strong 😀 |
| Refinance | 50/100 | 144 | $164M | +0.058% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 213 | 0.07% | 63/100 |
| CA | 202 | 0.07% | 63/100 |
| NY | 134 | 0.12% | 64/100 |
| TX | 120 | 0.03% | 57/100 |
| NJ | 83 | 0.10% | 61/100 |
| CO | 81 | 0.10% | 59/100 |
| NC | 73 | 0.05% | 55/100 |
| MA | 62 | 0.10% | 57/100 |
| WA | 56 | 0.07% | 56/100 |
| TN | 52 | 0.06% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 147 | 55/100 |
| New York | NY-NJ | 110 | 66/100 |
| Los Angeles | CA | 47 | 55/100 |
| Denver | CO | 46 | 55/100 |
| Houston | TX | 42 | 52/100 |
| Phoenix | AZ | 41 | 52/100 |
| West Palm Beach | FL | 37 | 57/100 |
| Bridgeport | CT | 35 | 59/100 |
| Chicago | IL | 34 | 50/100 |
| Boston, MA | MA | 29 | 52/100 |
| Anaheim | CA | 28 | 52/100 |
| Seattle | WA | 28 | 52/100 |
| Dallas | TX | 25 | 47/100 |
| Miami | FL | 25 | 50/100 |
| Newark, NJ | NJ | 25 | 51/100 |

## Where This Lender Ranks

UBS Bank USA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Naples for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in New York for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in West Palm Beach for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Atlantic City for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in New York for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Atlantic City for Jumbo Loans
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/jumbo-loans)
- 🏆 **#12** in West Palm Beach for Jumbo Loans
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/jumbo-loans)
- 🏆 **#12** in Bridgeport for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in Naples for Jumbo Loans
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/jumbo-loans)
- 🏆 **#13** in Naples Banks
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/banks)
- 🏆 **#14** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks)
- 🏆 **#14** in Bridgeport Banks
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/banks)
- 🏆 **#15** in Bridgeport for Jumbo Loans
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in West Palm Beach Banks
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/banks)
- 🏆 **#20** in West Palm Beach for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does UBS Bank USA offer?

UBS Bank USA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UBS Bank USA offer mortgages?

UBS Bank USA is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are UBS Bank USA's mortgage rates?

UBS Bank USA has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.033% below market average.

### What type of lender is UBS Bank USA?

UBS Bank USA is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Salt Lake City, UT.

### What is UBS Bank USA's loan approval success rate?

UBS Bank USA has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ubs-bank-usa

### How to Cite

> "UBS Bank USA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ubs-bank-usa

---

**[View Interactive Profile →](https://saferate.com/lenders/ubs-bank-usa)**