We analyzed every closed loan from UBS Bank USA — 1.7k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 49 mkts
Awards
Jumbo
Champion
Summary
What They Do Well
- Offers rates 3.30 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
UBS Bank USA performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 3.3 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 792 | 47.1% | +0.111%Above | $1,013Fees | ||||
Jumbo Loans | 888 | 52.9% | -0.210%Below | $979Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume792
Mix47.1%
Spread
+0.111%Above
Fees
$1,013Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume888
Mix52.9%
Spread
-0.210%Below
Fees
$979Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,536 | 91.4% | -0.039%Below | $1,004Fees | ||||
Refinance | 144 | 8.6% | +0.058%Above | $906Fees |
Purchase
OverallSound
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,536
Mix91.4%
Spread
-0.039%Below
Fees
$1,004Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume144
Mix8.6%
Spread
+0.058%Above
Fees
$906Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,680
Applications
2,205
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.033%
vs. market APOR
Avg Net Fees
$998
Origination − Credits
Pullthrough Rate
76.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$1,020,345
Avg Borrower Income
$592,798
Avg Property Value
$1,523,244
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
51Nationwide · all 50 states and DCNortheast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 110Mix 6.55% of portfolio
66/100
Strong
Volume 35Mix 2.08% of portfolio
59/100
Sound
Volume 23Mix 1.37% of portfolio
57/100
Sound
Volume 37Mix 2.20% of portfolio
57/100
Sound
Volume 47Mix 2.80% of portfolio
55/100
Sound
Volume 46Mix 2.74% of portfolio
55/100
Sound
Volume 29Mix 1.73% of portfolio
52/100
Sound
Volume 42Mix 2.50% of portfolio
52/100
Sound
Volume 41Mix 2.44% of portfolio
52/100
Sound
Volume 28Mix 1.67% of portfolio
52/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 134Mix 7.98% of portfolio
64/100
Strong2
FloridaState
Volume 213Mix 12.68% of portfolio
63/100
Strong3
CaliforniaState
Volume 202Mix 12.02% of portfolio
63/100
Strong4
New JerseyState
Volume 83Mix 4.94% of portfolio
61/100
Strong5
ColoradoState
Volume 81Mix 4.82% of portfolio
59/100
Sound6
TexasState
Volume 120Mix 7.14% of portfolio
57/100
Sound7
MassachusettsState
Volume 62Mix 3.69% of portfolio
57/100
Sound8
WashingtonState
Volume 56Mix 3.33% of portfolio
56/100
Sound9
North CarolinaState
Volume 73Mix 4.35% of portfolio
55/100
Sound10
TennesseeState
Volume 52Mix 3.10% of portfolio
54/100
SoundShowing 10 of 28 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.