UBS Bank, USA Mortgage Lending & HMDA Data, 2010
In 2010, UBS Bank, USA of Salt Lake City, UT reported 1,554 mortgage applications totaling $1.8 billion. The average application was for $1,146,362, and applicants reported an average income of $556,900. 46% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (217), New York-White Plains-Wayne, NY-NJ (182) and Santa Ana-Anaheim-Irvine, CA (58) (applications in parentheses).
| Mortgage Company & Address | UBS Bank, USA 299 South Main Street - Suite 2275 Salt Lake City, UT 84111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 1,554 |
| Total Mortgage Loan Application Amount | $1,781,447,000 |
| Average Mortgage Loan Application Amount | $1,146,362 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $556,900 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records UBS Bank, USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 217 | $ 342,044,000 | $ 1,576,239 | $ 724,000 |
| New York-White Plains-Wayne, NY-NJ | 182 | $ 233,780,000 | $ 1,284,505 | $ 679,807 |
| Santa Ana-Anaheim-Irvine, CA | 58 | $ 105,643,000 | $ 1,821,431 | $ 787,000 |
| San Diego-Carlsbad-San Marcos, CA | 48 | $ 58,838,000 | $ 1,225,791 | $ 413,000 |
| Bridgeport-Stamford-Norwalk, CT | 47 | $ 67,073,000 | $ 1,427,085 | $ 681,000 |
| Chicago-Joliet-Naperville, IL | 47 | $ 40,196,000 | $ 855,234 | $ 406,000 |
| Nassau-Suffolk, NY | 40 | $ 48,881,000 | $ 1,222,025 | $ 628,000 |
| San Francisco-San Mateo-Redwood City, CA | 39 | $ 51,329,000 | $ 1,316,128 | $ 675,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 36 | $ 43,300,000 | $ 1,202,777 | $ 427,000 |
| Atlanta-Sandy Springs-Marietta, GA | 34 | $ 28,074,000 | $ 825,705 | $ 341,000 |
| Phoenix-Mesa-Glendale, AZ | 34 | $ 32,579,000 | $ 958,205 | $ 478,000 |
| Philadelphia, PA | 31 | $ 27,476,000 | $ 886,322 | $ 910,000 |
| Seattle-Bellevue-Everett, WA | 31 | $ 30,187,000 | $ 973,774 | $ 312,000 |
| Houston-Sugar Land-Baytown, TX | 25 | $ 18,000,000 | $ 720,000 | $ 486,000 |
| Dallas-Plano-Irving, TX | 21 | $ 17,693,000 | $ 842,523 | $ 419,000 |
| Boston-Quincy, MA | 20 | $ 19,051,000 | $ 952,550 | $ 499,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 20 | $ 17,776,000 | $ 888,800 | $ 331,000 |
| Cambridge-Newton-Framingham, MA | 19 | $ 22,152,000 | $ 1,165,894 | $ 701,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 19,214,000 | $ 1,011,263 | $ 490,000 |
| Newark-Union, NJ-PA | 19 | $ 23,495,000 | $ 1,236,578 | $ 736,000 |
| Denver-Aurora-Broomfield, CO | 18 | $ 16,338,000 | $ 907,666 | $ 521,000 |
| Edison-New Brunswick, NJ | 18 | $ 16,679,000 | $ 926,611 | $ 400,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 17 | $ 15,176,000 | $ 892,705 | $ 371,000 |
| Oakland-Fremont-Hayward, CA | 16 | $ 15,772,000 | $ 985,750 | $ 348,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 15,865,000 | $ 1,057,666 | $ 527,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 10,172,000 | $ 782,461 | $ 270,153 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 13,303,000 | $ 1,023,307 | $ 1,080,000 |
| North Port-Bradenton-Sarasota, FL | 12 | $ 11,222,000 | $ 935,166 | $ 334,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 13,418,000 | $ 1,118,166 | $ 437,000 |
| Salinas, CA | 11 | $ 21,977,000 | $ 1,997,909 | $ 500,000 |
| Austin-Round Rock-San Marcos, TX | 10 | $ 8,257,000 | $ 825,700 | $ 487,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 8,505,000 | $ 850,500 | $ 379,000 |
| Las Vegas-Paradise, NV | 10 | $ 16,158,000 | $ 1,615,800 | $ 620,000 |
| Naples-Marco Island, FL | 10 | $ 9,933,000 | $ 993,300 | $ 981,000 |
| Charleston-North Charleston-Summerville, SC | 9 | $ 6,490,000 | $ 721,111 | $ 230,000 |
| Ocean City, NJ | 9 | $ 8,665,000 | $ 962,777 | $ 802,000 |
| Reno-Sparks, NV | 9 | $ 9,707,000 | $ 1,078,555 | $ 569,000 |
| Salt Lake City, UT | 9 | $ 7,153,000 | $ 794,777 | $ 677,000 |
| Louisville-Jefferson County, KY-IN | 8 | $ 6,811,000 | $ 851,375 | $ 506,875 |
| Portland-South Portland-Biddeford, ME | 8 | $ 6,401,000 | $ 800,125 | $ 486,000 |
| Kansas City, MO-KS | 7 | $ 9,731,000 | $ 1,390,142 | $ 551,714 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 4,542,000 | $ 648,857 | $ 212,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 5,630,000 | $ 804,285 | $ 353,000 |
| Baltimore-Towson, MD | 6 | $ 7,766,000 | $ 1,294,333 | $ 320,000 |
| Barnstable Town, MA | 6 | $ 5,091,000 | $ 848,500 | $ 807,000 |
| Bethesda-Rockville-Frederick, MD | 6 | $ 5,134,000 | $ 855,666 | $ 433,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 4,164,000 | $ 694,000 | $ 400,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 6 | $ 8,512,000 | $ 1,418,666 | $ 838,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 5,879,000 | $ 979,833 | $ 209,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 5,175,000 | $ 1,035,000 | $ 471,000 |
| Bend, OR | 5 | $ 3,221,000 | $ 644,200 | $ 199,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 3,525,000 | $ 705,000 | $ 301,600 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 4,621,000 | $ 924,200 | $ 620,000 |
| Columbus, OH | 5 | $ 2,955,000 | $ 591,000 | $ 460,000 |
| Honolulu, HI | 5 | $ 6,410,000 | $ 1,282,000 | $ 217,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 6,197,000 | $ 1,239,400 | $ 423,000 |
| Camden, NJ | 4 | $ 2,509,000 | $ 627,250 | $ 388,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 4,600,000 | $ 1,150,000 | $ 412,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 4,472,000 | $ 1,118,000 | $ 339,000 |
| Jacksonville, FL | 4 | $ 4,392,000 | $ 1,098,000 | $ 214,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 3,012,000 | $ 753,000 | $ 602,000 |
| New Haven-Milford, CT | 4 | $ 2,966,000 | $ 741,500 | $ 222,000 |
| St. Louis, MO-IL | 4 | $ 3,075,000 | $ 768,750 | $ 573,000 |
| Burlington-South Burlington, VT | 3 | $ 2,405,000 | $ 801,666 | $ 828,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 2,174,000 | $ 724,666 | $ 165,000 |
| Chattanooga, TN-GA | 3 | $ 2,415,000 | $ 805,000 | $ 256,000 |
| Durham-Chapel Hill, NC | 3 | $ 2,069,000 | $ 689,666 | $ 232,000 |
| Glens Falls, NY | 3 | $ 2,018,000 | $ 672,666 | $ 153,000 |
| Indianapolis-Carmel, IN | 3 | $ 2,282,000 | $ 760,666 | $ 674,000 |
| Lincoln, NE | 3 | $ 2,307,000 | $ 769,000 | $ 285,000 |
| Peabody, MA | 3 | $ 2,048,000 | $ 682,666 | $ 281,000 |
| Port St. Lucie, FL | 3 | $ 2,116,000 | $ 705,333 | $ 684,000 |
| Santa Fe, NM | 3 | $ 3,872,000 | $ 1,290,666 | $ 658,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 2,150,000 | $ 716,666 | $ 160,000 |
| Trenton-Ewing, NJ | 3 | $ 2,210,000 | $ 736,666 | $ 255,000 |
| Wilmington, DE-MD-NJ | 3 | $ 5,059,000 | $ 1,686,333 | $ 829,666 |
| Albuquerque, NM | 2 | $ 2,354,000 | $ 1,177,000 | $ 262,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,151,000 | $ 575,500 | $ 215,000 |
| Ann Arbor, MI | 2 | $ 1,565,000 | $ 782,500 | $ 477,000 |
| Bakersfield-Delano, CA | 2 | $ 2,213,000 | $ 1,106,500 | $ 334,000 |
| Birmingham-Hoover, AL | 2 | $ 1,476,000 | $ 738,000 | $ 372,000 |
| Boise City-Nampa, ID | 2 | $ 1,384,000 | $ 692,000 | $ 433,000 |
| Boulder, CO | 2 | $ 1,419,000 | $ 709,500 | $ 159,000 |
| Fort Worth-Arlington, TX | 2 | $ 811,000 | $ 405,500 | $ 354,000 |
| Fresno, CA | 2 | $ 1,288,000 | $ 644,000 | $ 235,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 2,025,000 | $ 1,012,500 | $ 331,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 1,309,000 | $ 654,500 | $ 274,000 |
| Madison, WI | 2 | $ 1,601,000 | $ 800,500 | $ 519,000 |
| Manchester-Nashua, NH | 2 | $ 1,411,000 | $ 705,500 | $ 323,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 924,000 | $ 462,000 | $ 25,000 |
| Norwich-New London, CT | 2 | $ 1,750,000 | $ 875,000 | $ 473,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,600,000 | $ 800,000 | $ 325,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 1,665,000 | $ 832,500 | $ 372,000 |
| Raleigh-Cary, NC | 2 | $ 882,000 | $ 441,000 | $ 308,000 |
| San Antonio-New Braunfels, TX | 2 | $ 1,887,000 | $ 943,500 | $ 525,000 |
| Springfield, MA | 2 | $ 1,030,000 | $ 515,000 | $ 31,000 |
| St. George, UT | 2 | $ 1,604,000 | $ 802,000 | $ 184,000 |
| Tucson, AZ | 2 | $ 1,449,000 | $ 724,500 | $ 318,000 |
| Akron, OH | 1 | $ 700,000 | $ 700,000 | $ 227,000 |
| Anderson, SC | 1 | $ 806,000 | $ 806,000 | $ 219,000 |
| Asheville, NC | 1 | $ 1,690,000 | $ 1,690,000 | $ 1,320,000 |
| Baton Rouge, LA | 1 | $ 596,000 | $ 596,000 | $ 104,000 |
| Bremerton-Silverdale, WA | 1 | $ 960,000 | $ 960,000 | $ 205,000 |
| Brunswick, GA | 1 | $ 1,482,000 | $ 1,482,000 | $ 416,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 660,000 | $ 660,000 | $ 234,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 610,000 | $ 610,000 | $ 200,000 |
| Coeur D'Alene, ID | 1 | $ 554,000 | $ 554,000 | $ 651,000 |
| College Station-Bryan, TX | 1 | $ 104,000 | $ 104,000 | $ 113,000 |
| Colorado Springs, CO | 1 | $ 543,000 | $ 543,000 | $ 322,000 |
| Corpus Christi, TX | 1 | $ 176,000 | $ 176,000 | $ 80,000 |
| Dayton, OH | 1 | $ 544,000 | $ 544,000 | $ 959,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 890,000 | $ 890,000 | $ 404,000 |
| Flint, MI | 1 | $ 2,013,000 | $ 2,013,000 | $ 820,000 |
| Fort Collins-Loveland, CO | 1 | $ 550,000 | $ 550,000 | $ 251,000 |
| Gary, IN | 1 | $ 1,000,000 | $ 1,000,000 | $ 400,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 1,000,000 | $ 1,000,000 | $ 85,000 |
| Greeley, CO | 1 | $ 900,000 | $ 900,000 | $ 414,000 |
| Harrisburg-Carlisle, PA | 1 | $ 600,000 | $ 600,000 | $ 195,000 |
| Knoxville, TN | 1 | $ 550,000 | $ 550,000 | $ 317,000 |
| Laredo, TX | 1 | $ 472,000 | $ 472,000 | $ 173,000 |
| Lexington-Fayette, KY | 1 | $ 1,000,000 | $ 1,000,000 | $ 459,000 |
| Merced, CA | 1 | $ 597,000 | $ 597,000 | $ 144,000 |
| Missoula, MT | 1 | $ 1,283,000 | $ 1,283,000 | $ 7,000 |
| Mobile, AL | 1 | $ 1,293,000 | $ 1,293,000 | $ 220,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 945,000 | $ 945,000 | $ 421,000 |
| Napa, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 252,000 |
| Ogden-Clearfield, UT | 1 | $ 584,000 | $ 584,000 | $ 330,000 |
| Olympia, WA | 1 | $ 407,000 | $ 407,000 | $ 181,000 |
| Palm Coast, FL | 1 | $ 319,000 | $ 319,000 | $ 400,000 |
| Pittsfield, MA | 1 | $ 190,000 | $ 190,000 | $ 68,000 |
| Sandusky, OH | 1 | $ 674,000 | $ 674,000 | $ 250,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 826,000 | $ 826,000 | $ 846,000 |
| Sebastian-Vero Beach, FL | 1 | $ 833,000 | $ 833,000 | $ 667,000 |
| Sioux Falls, SD | 1 | $ 750,000 | $ 750,000 | $ 518,000 |
| Spokane, WA | 1 | $ 440,000 | $ 440,000 | $ 116,000 |
| Springfield, MO | 1 | $ 707,000 | $ 707,000 | $ 452,000 |
| Stockton, CA | 1 | $ 375,000 | $ 375,000 | $ 40,000 |
| Vallejo-Fairfield, CA | 1 | $ 778,000 | $ 778,000 | $ 218,000 |
| Wichita, KS | 1 | $ 774,000 | $ 774,000 | $ 619,000 |
| Worcester, MA | 1 | $ 749,000 | $ 749,000 | $ 206,000 |
Mortgage Loan Application Detail Totals for UBS Bank, USA in 2010
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 | 1,284 | $1,488,801,000 | $1,159,000 | $12,500,000 | $523,000 | $5,742,000 |
| Home Purchase | 257 | $275,704,000 | $1,072,000 | $9,000,000 | $725,000 | $9,999,000 |
| Home Improvement | 13 | $16,942,000 | $1,303,000 | $3,650,000 | $582,000 | $2,052,000 |
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 | 954 | $1,021,614,000 | $1,070,000 | $12,500,000 | $520,000 | $9,999,000 |
| Not Provided | 501 | $642,084,000 | $1,281,000 | $10,000,000 | $634,000 | $9,999,000 |
| Asian | 52 | $73,217,000 | $1,408,000 | $6,500,000 | $611,000 | $2,510,000 |
| Hispanic | 31 | $31,618,000 | $1,019,000 | $2,576,000 | $395,000 | $806,000 |
| Black or African American | 8 | $7,003,000 | $875,000 | $1,470,000 | $604,000 | $2,918,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $3,045,000 | $761,000 | $863,000 | $265,000 | $327,000 |
| American Indian or Alaskan Native | 4 | $2,866,000 | $716,000 | $1,190,000 | $404,000 | $902,000 |
| 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) | 1,554 | $1,781,447,000 | $1,146,000 | $12,500,000 | $557,000 | $9,999,000 |
| 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 | 713 | $788,764,000 | $1,106,000 | $9,400,000 | $605,000 | $9,999,000 |
| Application Withdrawn By Applicant | 336 | $392,431,000 | $1,167,000 | $12,500,000 | $558,000 | $9,999,000 |
| Application Denied By Financial Institution | 288 | $356,364,000 | $1,237,000 | $12,205,000 | $351,000 | $3,550,000 |
| Application Approved But Not Accepted | 216 | $243,214,000 | $1,125,000 | $10,000,000 | $670,000 | $5,742,000 |
| File Closed For Incompleteness | 1 | $674,000 | $674,000 | $674,000 | $245,000 | $245,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 149 | $192,837,000 | $1,294,000 | $12,205,000 | $196,000 | $1,401,000 |
| Collateral | 103 | $113,147,000 | $1,098,000 | $3,000,000 | $495,000 | $2,474,000 |
| Credit Application Incomplete | 13 | $24,918,000 | $1,916,000 | $5,000,000 | $860,000 | $3,550,000 |
| Credit History | 9 | $10,003,000 | $1,111,000 | $2,342,000 | $396,000 | $820,000 |
| Other | 6 | $3,886,000 | $647,000 | $860,000 | $386,000 | $898,000 |
| Unverifiable Information | 3 | $3,749,000 | $1,249,000 | $2,429,000 | $359,000 | $558,000 |
| Employment History | 3 | $2,399,000 | $799,000 | $1,000,000 | $267,000 | $491,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $5,425,000 | $2,712,000 | $4,125,000 | $1,005,000 | $1,767,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into UBS Bank, USA's 2010 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 Bank, USA'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.
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