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UBS Bank USA
Bank|Salt Lake City, UT|National
Loans Originated
1,680
Applications
2,205
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.033%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$998
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 3.30 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
UBS Bank USA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,020,345
Average Borrower Income
$592,798
Average Property Value
$1,523,244
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Acceptable | 792 | 47.1% | +0.111% | $1,013 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 888 | 52.9% | -0.210% | $979 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 1,536 | 91.4% | -0.039% | $1,004 |
Refinance | Sound | Sound | Sound | Sound | 144 | 8.6% | +0.058% | $906 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 110Mix: 6.55%
Place Specialization
Strong
2
Bridgeport, CTMSA
Volume: 35Mix: 2.08%
Place Specialization
Sound
3
Naples, FLMSA
Volume: 23Mix: 1.37%
Place Specialization
Sound
4
West Palm Beach, FLMSA
Volume: 37Mix: 2.20%
Place Specialization
Sound
5
Los Angeles, CAMSA
Volume: 47Mix: 2.80%
Place Specialization
Sound
6
Denver, COMSA
Volume: 46Mix: 2.74%
Place Specialization
Sound
7
Boston, MA, MAMSA
Volume: 29Mix: 1.73%
Place Specialization
Sound
8
Houston, TXMSA
Volume: 42Mix: 2.50%
Place Specialization
Sound
9
Phoenix, AZMSA
Volume: 41Mix: 2.44%
Place Specialization
Sound
10
Anaheim, CAMSA
Volume: 28Mix: 1.67%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 134Mix: 7.98%
Place Specialization
Strong
2
FLState
Volume: 213Mix: 12.68%
Place Specialization
Strong
3
CAState
Volume: 202Mix: 12.02%
Place Specialization
Strong
4
NJState
Volume: 83Mix: 4.94%
Place Specialization
Strong
5
COState
Volume: 81Mix: 4.82%
Place Specialization
Sound
6
TXState
Volume: 120Mix: 7.14%
Place Specialization
Sound
7
MAState
Volume: 62Mix: 3.69%
Place Specialization
Sound
8
WAState
Volume: 56Mix: 3.33%
Place Specialization
Sound
9
NCState
Volume: 73Mix: 4.35%
Place Specialization
Sound
10
TNState
Volume: 52Mix: 3.10%
Place Specialization
Sound
Showing 10 of 28 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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