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 score and performance metrics.

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 an overall pricing score of 65.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is UBS Bank USA?

UBS Bank USA is a Bank headquartered in Salt Lake City, UT.

Unclaimed

UBS Bank USA

Bank•Salt Lake City, UT•Direct to Consumer

We analyzed every closed loan from Ubs Bank USA — 1.7k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

Conventional · Jumbo

Place

Sound

National · 49 mkts

Safe Rate Awards💎Jumbo Champion⭐Purchase Superstar

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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

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Report Card

UBS Bank USA performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive Rates 3.3 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National50 markets

Loan Product Performance

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%Above	$1,013Fees
Jumbo Loans	Exceptional	Exceptional	Exceptional	Strong	888	52.9%	-0.210%Below	$979Fees

Loan Purpose Performance

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%Below	$1,004Fees
Refinance	Sound	Sound	Sound	Sound	144	8.6%	+0.058%Above	$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

States Served

Why 51? We count DC as a state

Avg Place Specialization

Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

New York, NY-NJMSA

Volume: 110Mix: 6.55%of portfolio

Place

Strong

Bridgeport, CTMSA

Volume: 35Mix: 2.08%of portfolio

Place

Sound

Naples, FLMSA

Volume: 23Mix: 1.37%of portfolio

Place

Sound

West Palm Beach, FLMSA

Volume: 37Mix: 2.20%of portfolio

Place

Sound

Los Angeles, CAMSA

Volume: 47Mix: 2.80%of portfolio

Place

Sound

Denver, COMSA

Volume: 46Mix: 2.74%of portfolio

Place

Sound

Boston, MA, MAMSA

Volume: 29Mix: 1.73%of portfolio

Place

Sound

Houston, TXMSA

Volume: 42Mix: 2.50%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 41Mix: 2.44%of portfolio

Place

Sound

Anaheim, CAMSA

Volume: 28Mix: 1.67%of portfolio

Place

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

NYState

Volume: 134Mix: 7.98%of portfolio

Place

Strong

FLState

Volume: 213Mix: 12.68%of portfolio

Place

Strong

CAState

Volume: 202Mix: 12.02%of portfolio

Place

Strong

NJState

Volume: 83Mix: 4.94%of portfolio

Place

Strong

COState

Volume: 81Mix: 4.82%of portfolio

Place

Sound

TXState

Volume: 120Mix: 7.14%of portfolio

Place

Sound

MAState

Volume: 62Mix: 3.69%of portfolio

Place

Sound

WAState

Volume: 56Mix: 3.33%of portfolio

Place

Sound

NCState

Volume: 73Mix: 4.35%of portfolio

Place

Sound

TNState

Volume: 52Mix: 3.10%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.