Applications / Mortgage Analytics / Lenders / Utah / UBS Bank USA
Salt Lake City, UT · National bank · OCC · $119 billion assets · 3,386 loans in 2025
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3,386
loans originated, 2025
4,480
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UBS Bank USA is a large-loan lender, with a typical loan of $895,000 against $220,000 at similar banks and nearly half its loans above the conforming limit, and its originations rose 33% in 2025, faster than most similar banks.
Similar lenders are national banks making between half and twice as many loans. Jumbo loans (larger than the conforming limit) were 46.6% of its loans against 3.9%, the highest among similar lenders, though down from 74.1% five years before. Its $4.67 billion originated was also the highest, far above the typical similar bank's $1.05 billion.
Originations rose 33% to 3,386, against 7% for similar lenders and 10% for the whole market, higher than about four in five similar lenders. They remain below the 5,938 of 2021. Five years before it bought 676 loans from other lenders; in 2025 it bought none.
LMI (low- and moderate-income) borrowers took 1.3% of its loans against 25.5%, and LMI areas 4.1% against 14.6%, both the lowest among similar lenders. With loans this large, few LMI borrowers may be in its market, and its lending is spread across 50 states rather than one local area, led by New York, Los Angeles and Miami.
Its typical rate was 5.88% against 6.56%, among the lowest tenth, and higher-priced loans (a rate well above the average for similar loans) were 0.0% against 1.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UBS Bank USA took 4,480 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.4% · Other 22.7% · Refinance 13.0%
Conventional 100.0% · of 3,386 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 552 | 16.3% |
| Florida | 316 | 9.3% |
| New York | 308 | 9.1% |
| Texas | 200 | 5.9% |
| Colorado | 163 | 4.8% |
| New Jersey | 139 | 4.1% |
| Washington | 130 | 3.8% |
| Massachusetts | 124 | 3.7% |
| North Carolina | 111 | 3.3% |
| Arizona | 98 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 242 |
| Los Angeles-Long Beach-Glendale | 138 |
| Denver-Aurora-Centennial | 94 |
| Phoenix-Mesa-Chandler | 82 |
| Anaheim-Santa Ana-Irvine | 81 |
| Seattle-Bellevue-Kent | 80 |
| Chicago-Naperville-Schaumburg | 72 |
| Nassau County-Suffolk County | 69 |
| West Palm Beach-Boca Raton-Delray Beach | 62 |
| San Diego-Chula Vista-Carlsbad | 60 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GWD9H4FQ2VR805 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3212149 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357565 | 2010–2010 |
| Respondent ID (the HMDA filer code before 2018) | 93212149 | 2011–2017 |
Established 15 September 2003. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: UBS Bank USA's data.
UBS Bank USA's data
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UBS Bank USA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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