UBS Ag, New York Branch Mortgage Lending & HMDA Data, 2006
In 2006, UBS Ag, New York Branch of New York, NY reported 2,338 mortgage applications totaling $561.7 million. The average application was for $240,240, and applicants reported an average income of $155,933. 64% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (313), New York-White Plains-Wayne, NY-NJ (129) and Nassau-Suffolk, NY (123) (applications in parentheses).
| Mortgage Company & Address | UBS Ag, New York Branch 1285 Avenue of Americas New York, NY 10019 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 2,338 |
| Total Mortgage Loan Application Amount | $561,683,000 |
| Average Mortgage Loan Application Amount | $240,240 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $155,933 |
| Highest Applicant Income | $3,120,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records UBS Ag, New York Branch filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 313 | $ 41,229,000 | $ 131,722 | $ 62,000 |
| New York-White Plains-Wayne, NY-NJ | 129 | $ 49,314,000 | $ 382,279 | $ 167,720 |
| Nassau-Suffolk, NY | 123 | $ 42,143,000 | $ 342,626 | $ 134,000 |
| Phoenix-Mesa-Scottsdale, AZ | 120 | $ 28,827,000 | $ 240,225 | $ 220,000 |
| Denver-Aurora, CO | 112 | $ 35,539,000 | $ 317,312 | $ 163,000 |
| Dallas-Plano-Irving, TX | 95 | $ 14,692,000 | $ 154,652 | $ 131,000 |
| Kansas City, MO-KS | 76 | $ 8,304,000 | $ 109,263 | $ 117,921 |
| Los Angeles-Long Beach-Glendale, CA | 61 | $ 40,311,000 | $ 660,836 | $ 354,000 |
| Chicago-Naperville-Joliet, IL | 60 | $ 12,442,000 | $ 207,366 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 59 | $ 9,390,000 | $ 159,152 | $ 120,000 |
| Charleston-North Charleston, SC | 55 | $ 12,280,000 | $ 223,272 | $ 140,000 |
| Houston-Sugar Land-Baytown, TX | 49 | $ 9,895,000 | $ 201,938 | $ 239,000 |
| San Diego-Carlsbad-San Marcos, CA | 46 | $ 23,136,000 | $ 502,956 | $ 201,000 |
| Sarasota-Bradenton-Venice, FL | 45 | $ 13,704,000 | $ 304,533 | $ 158,000 |
| Miami-Miami Beach-Kendall, FL | 39 | $ 7,644,000 | $ 196,000 | $ 145,000 |
| Orlando-Kissimmee, FL | 36 | $ 9,313,000 | $ 258,694 | $ 135,000 |
| Santa Ana-Anaheim-Irvine, CA | 36 | $ 19,928,000 | $ 553,555 | $ 244,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 36 | $ 9,071,000 | $ 251,972 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 35 | $ 16,465,000 | $ 470,428 | $ 96,000 |
| St. Louis, MO-IL | 34 | $ 2,946,000 | $ 86,647 | $ 67,000 |
| Fort Worth-Arlington, TX | 33 | $ 3,609,000 | $ 109,363 | $ 77,000 |
| Colorado Springs, CO | 32 | $ 4,769,000 | $ 149,031 | $ 59,000 |
| Atlanta-Sandy Springs-Marietta, GA | 27 | $ 4,621,000 | $ 171,148 | $ 102,000 |
| Jacksonville, FL | 27 | $ 4,748,000 | $ 175,851 | $ 111,000 |
| Riverside-San Bernardino-Ontario, CA | 25 | $ 7,349,000 | $ 293,960 | $ 167,000 |
| Fort Collins-Loveland, CO | 22 | $ 5,420,000 | $ 246,363 | $ 10,000 |
| Lakeland, FL | 22 | $ 2,159,000 | $ 98,136 | $ 51,000 |
| Savannah, GA | 21 | $ 2,975,000 | $ 141,666 | $ 170,000 |
| Akron, OH | 20 | $ 740,000 | $ 37,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 20 | $ 1,433,000 | $ 71,650 | $ 447,000 |
| Newark-Union, NJ-PA | 20 | $ 4,830,000 | $ 241,500 | $ 115,000 |
| Port St. Lucie-Fort Pierce, FL | 19 | $ 4,248,000 | $ 223,578 | $ 1,787,000 |
| Provo-Orem, UT | 18 | $ 1,799,000 | $ 99,944 | $ 96,000 |
| Austin-Round Rock, TX | 16 | $ 2,052,000 | $ 128,250 | $ 176,000 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 2,109,000 | $ 150,642 | $ 71,000 |
| San Antonio, TX | 14 | $ 931,000 | $ 66,500 | $ 176,000 |
| Worcester, MA | 14 | $ 2,489,000 | $ 177,785 | $ 186,000 |
| Ogden-Clearfield, UT | 12 | $ 1,090,000 | $ 90,833 | $ 68,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 2,194,000 | $ 199,454 | $ 46,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 582,000 | $ 58,200 | $ 0 |
| Punta Gorda, FL | 10 | $ 1,502,000 | $ 150,200 | $ 78,000 |
| Oakland-Fremont-Hayward, CA | 9 | $ 4,982,000 | $ 553,555 | $ 237,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 1,134,000 | $ 141,750 | $ 280,000 |
| Greeley, CO | 8 | $ 2,506,000 | $ 313,250 | $ 593,000 |
| Springfield, MA | 8 | $ 1,876,000 | $ 234,500 | $ 97,000 |
| Columbia, SC | 7 | $ 266,000 | $ 38,000 | $ 84,000 |
| Edison, NJ | 7 | $ 2,468,000 | $ 352,571 | $ 162,000 |
| Elizabethtown, KY | 7 | $ 962,000 | $ 137,428 | $ 141,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 7 | $ 1,273,000 | $ 181,857 | $ 72,000 |
| San Angelo, TX | 7 | $ 364,000 | $ 52,000 | $ 49,000 |
| Vallejo-Fairfield, CA | 7 | $ 2,885,000 | $ 412,142 | $ 122,000 |
| Bend, OR | 6 | $ 1,218,000 | $ 203,000 | $ 298,000 |
| Gainesville, FL | 6 | $ 486,000 | $ 81,000 | $ 56,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 845,000 | $ 140,833 | $ 98,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,374,000 | $ 274,800 | $ 136,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 480,000 | $ 96,000 | $ 37,000 |
| Napa, CA | 5 | $ 1,667,000 | $ 333,400 | $ 64,000 |
| New Haven-Milford, CT | 5 | $ 496,000 | $ 99,200 | $ 157,000 |
| Prescott, AZ | 5 | $ 1,386,000 | $ 277,200 | $ 290,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 2,781,000 | $ 556,200 | $ 232,000 |
| Sumter, SC | 5 | $ 239,000 | $ 47,800 | $ 98,000 |
| Boulder, CO | 4 | $ 2,875,000 | $ 718,750 | $ 270,000 |
| Camden, NJ | 4 | $ 898,000 | $ 224,500 | $ 20,000 |
| Idaho Falls, ID | 4 | $ 602,000 | $ 150,500 | $ 127,000 |
| Lubbock, TX | 4 | $ 312,000 | $ 78,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,024,000 | $ 256,000 | $ 265,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 809,000 | $ 202,250 | $ 0 |
| South Bend-Mishawaka, IN-MI | 4 | $ 234,000 | $ 58,500 | $ 119,000 |
| Trenton-Ewing, NJ | 4 | $ 788,000 | $ 197,000 | $ 93,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 2,741,000 | $ 685,250 | $ 606,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,420,000 | $ 355,000 | $ 45,000 |
| Baltimore-Towson, MD | 3 | $ 429,000 | $ 143,000 | $ 176,000 |
| Clarksville, TN-KY | 3 | $ 300,000 | $ 100,000 | $ 111,000 |
| College Station-Bryan, TX | 3 | $ 352,000 | $ 117,333 | $ 130,000 |
| Greensboro-High Point, NC | 3 | $ 614,000 | $ 204,666 | $ 158,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 430,000 | $ 143,333 | $ 191,000 |
| Memphis, TN-MS-AR | 3 | $ 245,000 | $ 81,666 | $ 95,000 |
| Ocala, FL | 3 | $ 384,000 | $ 128,000 | $ 20,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 11,333,000 | $ 3,777,666 | $ 741,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,738,000 | $ 579,333 | $ 160,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 233,000 | $ 77,666 | $ 106,000 |
| Sebastian-Vero Beach, FL | 3 | $ 335,000 | $ 111,666 | $ 2,094,000 |
| Albuquerque, NM | 2 | $ 209,000 | $ 104,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 378,000 | $ 189,000 | $ 102,000 |
| Essex County, MA | 2 | $ 504,000 | $ 252,000 | $ 246,000 |
| Huntsville, AL | 2 | $ 339,000 | $ 169,500 | $ 160,000 |
| Indianapolis-Carmel, IN | 2 | $ 465,000 | $ 232,500 | $ 187,000 |
| Kingston, NY | 2 | $ 176,000 | $ 88,000 | $ 188,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 271,000 | $ 135,500 | $ 114,000 |
| Midland, TX | 2 | $ 71,000 | $ 35,500 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 198,000 | $ 99,000 | $ 42,000 |
| Oklahoma City, OK | 2 | $ 99,000 | $ 49,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 503,000 | $ 251,500 | $ 93,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 483,000 | $ 241,500 | $ 180,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 623,000 | $ 311,500 | $ 26,000 |
| Richmond, VA | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Rochester, NY | 2 | $ 223,000 | $ 111,500 | $ 140,000 |
| Santa Fe, NM | 2 | $ 455,000 | $ 227,500 | $ 150,000 |
| Stockton, CA | 2 | $ 432,000 | $ 216,000 | $ 147,000 |
| Tallahassee, FL | 2 | $ 122,000 | $ 61,000 | $ 172,000 |
| Tulsa, OK | 2 | $ 148,000 | $ 74,000 | $ 96,000 |
| Tyler, TX | 2 | $ 484,000 | $ 242,000 | $ 0 |
| Wilmington, NC | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 330,000 | $ 330,000 | $ 182,000 |
| Bakersfield, CA | 1 | $ 312,000 | $ 312,000 | $ 108,000 |
| Boise City-Nampa, ID | 1 | $ 142,000 | $ 142,000 | $ 195,000 |
| Dover, DE | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Eugene-Springfield, OR | 1 | $ 227,000 | $ 227,000 | $ 160,000 |
| Evansville, IN-KY | 1 | $ 116,000 | $ 116,000 | $ 46,000 |
| Harrisburg-Carlisle, PA | 1 | $ 107,000 | $ 107,000 | $ 36,000 |
| Jacksonville, NC | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Kalamazoo-Portage, MI | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Knoxville, TN | 1 | $ 127,000 | $ 127,000 | $ 155,000 |
| La Crosse, WI-MN | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 1,300,000 | $ 1,300,000 | $ 467,000 |
| Las Vegas-Paradise, NV | 1 | $ 225,000 | $ 225,000 | $ 260,000 |
| Mobile, AL | 1 | $ 168,000 | $ 168,000 | $ 302,000 |
| Modesto, CA | 1 | $ 244,000 | $ 244,000 | $ 122,000 |
| Panama City-Lynn Haven, FL | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Philadelphia, PA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 160,000 | $ 160,000 | $ 181,000 |
| Salt Lake City, UT | 1 | $ 220,000 | $ 220,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 725,000 | $ 725,000 | $ 264,000 |
| Spokane, WA | 1 | $ 150,000 | $ 150,000 | $ 112,000 |
| Springfield, IL | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Tacoma, WA | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Victoria, TX | 1 | $ 162,000 | $ 162,000 | $ 255,000 |
| York-Hanover, PA | 1 | $ 114,000 | $ 114,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for UBS Ag, New York Branch in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,028 | $284,629,000 | $276,000 | $10,000,000 | $179,000 | $3,120,000 |
| Home Purchase | 940 | $187,206,000 | $199,000 | $2,400,000 | $148,000 | $3,120,000 |
| Home Improvement | 370 | $89,848,000 | $242,000 | $3,000,000 | $112,000 | $1,440,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,298 | $335,242,000 | $258,000 | $10,000,000 | $191,000 | $3,120,000 |
| Black or African American | 332 | $54,800,000 | $165,000 | $1,000,000 | $95,000 | $1,309,000 |
| Hispanic | 326 | $64,972,000 | $199,000 | $995,000 | $94,000 | $705,000 |
| Not Provided | 272 | $72,940,000 | $268,000 | $10,000,000 | $146,000 | $3,000,000 |
| Asian | 101 | $31,682,000 | $313,000 | $1,500,000 | $142,000 | $506,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,546,000 | $257,000 | $648,000 | $63,000 | $307,000 |
| American Indian or Alaskan Native | 3 | $501,000 | $167,000 | $329,000 | $163,000 | $240,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,338 | $561,683,000 | $240,000 | $10,000,000 | $156,000 | $3,120,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,498 | $372,430,000 | $248,000 | $10,000,000 | $175,000 | $3,120,000 |
| Application Denied By Financial Institution | 373 | $72,162,000 | $193,000 | $1,495,000 | $106,000 | $1,920,000 |
| Application Withdrawn By Applicant | 360 | $95,139,000 | $264,000 | $10,000,000 | $135,000 | $1,807,000 |
| Application Approved But Not Accepted | 76 | $15,482,000 | $203,000 | $1,500,000 | $150,000 | $3,120,000 |
| File Closed For Incompleteness | 31 | $6,470,000 | $208,000 | $2,000,000 | $113,000 | $372,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 119 | $21,348,000 | $179,000 | $952,000 | $88,000 | $375,000 |
| Other | 105 | $21,975,000 | $209,000 | $1,495,000 | $104,000 | $720,000 |
| Collateral | 61 | $11,584,000 | $189,000 | $880,000 | $140,000 | $1,920,000 |
| Debt-To-Income Ratio | 50 | $10,248,000 | $204,000 | $660,000 | $110,000 | $252,000 |
| Unverifiable Information | 28 | $5,513,000 | $196,000 | $1,440,000 | $95,000 | $750,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $660,000 | $132,000 | $345,000 | $112,000 | $222,000 |
| Employment History | 3 | $388,000 | $129,000 | $171,000 | $215,000 | $329,000 |
| Credit Application Incomplete | 2 | $446,000 | $223,000 | $431,000 | $98,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into UBS Ag, New York Branch's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess UBS Ag, New York Branch's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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