UBS Bank USA Mortgage Lending & HMDA Data, 2016
In 2016, UBS Bank USA of Salt Lake City, UT reported 4,549 mortgage applications totaling $4.9 billion, up 20% from 2015. The average application was for $1,082,037, and applicants reported an average income of $527,493. 62% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (524), New York-Jersey City-White Plains, NY-NJ (488) and San Diego-Carlsbad, CA (146) (applications in parentheses).
| Mortgage Company & Address | UBS Bank USA 299 S. Main St Salt Lake City, UT 84111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,549 |
| Total Mortgage Loan Application Amount | $4,922,187,000 |
| Average Mortgage Loan Application Amount | $1,082,037 |
| Highest Mortgage Loan Application Amount | $26,000,000 |
| Average Applicant Income | $527,493 |
| 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Act (HMDA) records UBS Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 524 | $ 786,708,000 | $ 1,501,351 | $ 697,000 |
| New York-Jersey City-White Plains, NY-NJ | 488 | $ 672,764,000 | $ 1,378,614 | $ 622,526 |
| San Diego-Carlsbad, CA | 146 | $ 161,128,000 | $ 1,103,616 | $ 438,000 |
| Anaheim-Santa Ana-Irvine, CA | 142 | $ 202,342,000 | $ 1,424,943 | $ 571,000 |
| Nassau County-Suffolk County, NY | 131 | $ 179,261,000 | $ 1,368,404 | $ 722,000 |
| Bridgeport-Stamford-Norwalk, CT | 122 | $ 159,821,000 | $ 1,310,008 | $ 567,000 |
| Seattle-Bellevue-Everett, WA | 99 | $ 97,973,000 | $ 989,626 | $ 383,000 |
| Chicago-Naperville-Arlington Heights, IL | 97 | $ 76,540,000 | $ 789,072 | $ 515,000 |
| San Francisco-Redwood City-South San Francisco, CA | 96 | $ 124,368,000 | $ 1,295,500 | $ 571,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 90 | $ 136,083,000 | $ 1,512,033 | $ 681,000 |
| Newark, NJ-PA | 88 | $ 70,101,000 | $ 796,602 | $ 448,250 |
| Phoenix-Mesa-Scottsdale, AZ | 84 | $ 64,511,000 | $ 767,988 | $ 356,000 |
| Atlanta-Sandy Springs-Roswell, GA | 82 | $ 60,651,000 | $ 739,646 | $ 407,000 |
| Dallas-Plano-Irving, TX | 76 | $ 80,487,000 | $ 1,059,039 | $ 622,000 |
| Denver-Aurora-Lakewood, CO | 76 | $ 62,623,000 | $ 823,986 | $ 299,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 75 | $ 71,757,000 | $ 956,760 | $ 406,840 |
| Houston-The Woodlands-Sugar Land, TX | 74 | $ 58,546,000 | $ 791,162 | $ 481,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 73 | $ 105,300,000 | $ 1,442,465 | $ 478,000 |
| Miami-Miami Beach-Kendall, FL | 72 | $ 131,392,000 | $ 1,824,888 | $ 1,229,000 |
| Oakland-Hayward-Berkeley, CA | 59 | $ 62,325,000 | $ 1,056,355 | $ 394,000 |
| Santa Maria-Santa Barbara, CA | 50 | $ 75,847,000 | $ 1,516,940 | $ 661,000 |
| Boston, MA | 47 | $ 39,997,000 | $ 851,000 | $ 507,000 |
| Naples-Immokalee-Marco Island, FL | 44 | $ 41,624,000 | $ 946,000 | $ 417,000 |
| Cambridge-Newton-Framingham, MA | 42 | $ 52,045,000 | $ 1,239,166 | $ 578,000 |
| Warren-Troy-Farmington Hills, MI | 42 | $ 25,712,000 | $ 612,190 | $ 273,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 25,148,000 | $ 613,365 | $ 357,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 40 | $ 31,387,000 | $ 784,675 | $ 281,000 |
| Riverside-San Bernardino-Ontario, CA | 40 | $ 30,498,000 | $ 762,450 | $ 649,000 |
| San Rafael, CA | 40 | $ 58,481,000 | $ 1,462,025 | $ 493,000 |
| Austin-Round Rock, TX | 39 | $ 34,959,000 | $ 896,384 | $ 701,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 39 | $ 24,317,000 | $ 623,512 | $ 294,307 |
| North Port-Sarasota-Bradenton, FL | 37 | $ 25,952,000 | $ 701,405 | $ 393,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 34 | $ 29,492,000 | $ 867,411 | $ 507,000 |
| Las Vegas-Henderson-Paradise, NV | 34 | $ 27,818,000 | $ 818,176 | $ 419,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 33 | $ 25,632,000 | $ 776,727 | $ 333,000 |
| Silver Spring-Frederick-Rockville, MD | 31 | $ 26,363,000 | $ 850,419 | $ 374,000 |
| Cape Coral-Fort Myers, FL | 30 | $ 20,271,000 | $ 675,700 | $ 435,000 |
| Boulder, CO | 28 | $ 21,754,000 | $ 776,928 | $ 253,000 |
| Providence-Warwick, RI-MA | 27 | $ 28,339,000 | $ 1,049,592 | $ 540,148 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | $ 19,116,000 | $ 831,130 | $ 378,000 |
| Montgomery County-Bucks County-Chester County, PA | 22 | $ 13,804,000 | $ 627,454 | $ 281,000 |
| Jacksonville, FL | 21 | $ 13,746,000 | $ 654,571 | $ 388,000 |
| Lake County-Kenosha County, IL-WI | 19 | $ 13,279,000 | $ 698,894 | $ 428,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19 | $ 11,989,000 | $ 631,000 | $ 243,578 |
| Baltimore-Columbia-Towson, MD | 17 | $ 12,497,000 | $ 735,117 | $ 462,000 |
| Barnstable Town, MA | 17 | $ 17,043,000 | $ 1,002,529 | $ 537,000 |
| Charleston-North Charleston, SC | 17 | $ 12,228,000 | $ 719,294 | $ 330,000 |
| Philadelphia, PA | 17 | $ 12,249,000 | $ 720,529 | $ 457,000 |
| Charlotte-Concord-Gastonia, NC-SC | 16 | $ 14,949,000 | $ 934,312 | $ 327,500 |
| Cincinnati, OH-KY-IN | 15 | $ 12,742,000 | $ 849,466 | $ 357,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 15 | $ 11,916,000 | $ 794,400 | $ 372,000 |
| Santa Rosa, CA | 15 | $ 18,175,000 | $ 1,211,666 | $ 489,000 |
| Santa Cruz-Watsonville, CA | 14 | $ 10,715,000 | $ 765,357 | $ 287,000 |
| Cleveland-Elyria, OH | 13 | $ 5,608,000 | $ 431,384 | $ 305,000 |
| Ocean City, NJ | 12 | $ 9,027,000 | $ 752,250 | $ 543,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 12,963,000 | $ 1,080,250 | $ 623,000 |
| Columbus, OH | 11 | $ 6,101,000 | $ 554,636 | $ 336,000 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 6,535,000 | $ 594,090 | $ 523,000 |
| Indianapolis-Carmel-Anderson, IN | 11 | $ 8,872,000 | $ 806,545 | $ 367,000 |
| Port St. Lucie, FL | 11 | $ 18,264,000 | $ 1,660,363 | $ 798,000 |
| Salinas, CA | 11 | $ 10,729,000 | $ 975,363 | $ 478,000 |
| San Antonio-New Braunfels, TX | 11 | $ 8,326,000 | $ 756,909 | $ 315,000 |
| Santa Fe, NM | 11 | $ 9,207,000 | $ 837,000 | $ 340,000 |
| Trenton, NJ | 11 | $ 11,106,000 | $ 1,009,636 | $ 433,000 |
| Tucson, AZ | 11 | $ 5,676,000 | $ 516,000 | $ 233,000 |
| Bend-Redmond, OR | 10 | $ 5,925,000 | $ 592,500 | $ 164,000 |
| Durham-Chapel Hill, NC | 10 | $ 6,754,000 | $ 675,400 | $ 290,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 7,484,000 | $ 748,400 | $ 353,000 |
| Kahului-Wailuku-Lahaina, HI | 10 | $ 8,591,000 | $ 859,100 | $ 357,000 |
| Kansas City, MO-KS | 10 | $ 5,296,000 | $ 529,600 | $ 313,400 |
| Napa, CA | 10 | $ 9,656,000 | $ 965,600 | $ 374,000 |
| Richmond, VA | 10 | $ 6,451,000 | $ 645,100 | $ 433,000 |
| Sebastian-Vero Beach, FL | 10 | $ 8,330,000 | $ 833,000 | $ 354,000 |
| Birmingham-Hoover, AL | 9 | $ 5,607,000 | $ 623,000 | $ 413,000 |
| Fort Worth-Arlington, TX | 9 | $ 7,341,000 | $ 815,666 | $ 309,000 |
| Pittsburgh, PA | 9 | $ 6,491,000 | $ 721,222 | $ 423,000 |
| Salisbury, MD-DE | 9 | $ 5,947,000 | $ 660,777 | $ 212,000 |
| Urban Honolulu, HI | 9 | $ 6,037,000 | $ 670,777 | $ 596,000 |
| Asheville, NC | 8 | $ 3,263,000 | $ 407,875 | $ 198,000 |
| Chattanooga, TN-GA | 8 | $ 3,462,000 | $ 432,750 | $ 192,250 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 4,366,000 | $ 545,750 | $ 725,000 |
| Dutchess County-Putnam County, NY | 8 | $ 5,227,000 | $ 653,375 | $ 372,000 |
| Camden, NJ | 7 | $ 4,147,000 | $ 592,428 | $ 222,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 4,337,000 | $ 619,571 | $ 419,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 4,534,000 | $ 647,714 | $ 336,000 |
| Lafayette, LA | 7 | $ 4,606,000 | $ 658,000 | $ 603,000 |
| New Orleans-Metairie, LA | 7 | $ 5,271,000 | $ 753,000 | $ 427,000 |
| Prescott, AZ | 7 | $ 4,224,000 | $ 603,428 | $ 274,000 |
| Reno, NV | 7 | $ 5,205,000 | $ 743,571 | $ 332,000 |
| Tulsa, OK | 7 | $ 5,952,000 | $ 850,285 | $ 331,000 |
| Ann Arbor, MI | 6 | $ 3,776,000 | $ 629,333 | $ 404,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 3,779,000 | $ 629,833 | $ 408,000 |
| Fort Collins, CO | 6 | $ 2,561,000 | $ 426,833 | $ 127,000 |
| Kingston, NY | 6 | $ 2,957,000 | $ 492,833 | $ 848,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 3,475,000 | $ 579,166 | $ 187,000 |
| Portland-South Portland, ME | 6 | $ 3,568,000 | $ 594,666 | $ 405,000 |
| Savannah, GA | 6 | $ 3,613,000 | $ 602,166 | $ 298,000 |
| St. Louis, MO-IL | 6 | $ 4,658,000 | $ 776,333 | $ 847,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 3,686,000 | $ 737,200 | $ 604,000 |
| Boise City, ID | 5 | $ 2,392,000 | $ 478,400 | $ 208,000 |
| Colorado Springs, CO | 5 | $ 5,318,000 | $ 1,063,600 | $ 219,000 |
| Eugene, OR | 5 | $ 2,533,000 | $ 506,600 | $ 175,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,834,000 | $ 366,800 | $ 141,800 |
| Salt Lake City, UT | 5 | $ 2,693,000 | $ 538,600 | $ 1,747,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 2,733,000 | $ 546,600 | $ 163,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,794,000 | $ 358,800 | $ 211,000 |
| Wilmington, NC | 5 | $ 6,967,000 | $ 1,393,400 | $ 351,000 |
| Akron, OH | 4 | $ 1,388,000 | $ 347,000 | $ 157,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 2,543,000 | $ 635,750 | $ 390,000 |
| Elgin, IL | 4 | $ 1,674,000 | $ 418,500 | $ 1,935,000 |
| Flagstaff, AZ | 4 | $ 2,506,000 | $ 626,500 | $ 126,000 |
| Fresno, CA | 4 | $ 1,308,000 | $ 327,000 | $ 284,000 |
| Gainesville, GA | 4 | $ 2,332,000 | $ 583,000 | $ 362,000 |
| Knoxville, TN | 4 | $ 2,678,000 | $ 669,500 | $ 208,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 3,472,000 | $ 868,000 | $ 226,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,971,000 | $ 492,750 | $ 174,000 |
| Rochester, NY | 4 | $ 2,366,000 | $ 591,500 | $ 474,000 |
| Anchorage, AK | 3 | $ 920,000 | $ 306,666 | $ 262,000 |
| Beaumont-Port Arthur, TX | 3 | $ 604,000 | $ 201,333 | $ 230,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,342,000 | $ 447,333 | $ 362,000 |
| Coeur D'Alene, ID | 3 | $ 1,430,000 | $ 476,666 | $ 211,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,526,000 | $ 508,666 | $ 311,000 |
| Gary, IN | 3 | $ 624,000 | $ 208,000 | $ 63,000 |
| Lakeland-Winter Haven, FL | 3 | $ 2,885,000 | $ 961,666 | $ 1,004,000 |
| Lexington-Fayette, KY | 3 | $ 3,124,000 | $ 1,041,333 | $ 238,000 |
| Morgantown, WV | 3 | $ 1,394,000 | $ 464,666 | $ 381,000 |
| New Haven-Milford, CT | 3 | $ 2,272,000 | $ 757,333 | $ 338,000 |
| Niles-Benton Harbor, MI | 3 | $ 1,360,000 | $ 453,333 | $ 300,000 |
| Norwich-New London, CT | 3 | $ 2,238,000 | $ 746,000 | $ 1,059,000 |
| Oklahoma City, OK | 3 | $ 948,000 | $ 316,000 | $ 343,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,744,000 | $ 581,333 | $ 401,000 |
| Raleigh, NC | 3 | $ 2,054,000 | $ 684,666 | $ 259,000 |
| Redding, CA | 3 | $ 2,475,000 | $ 825,000 | $ 238,000 |
| Rockingham County-Strafford County, NH | 3 | $ 2,132,000 | $ 710,666 | $ 273,000 |
| Spokane-Spokane Valley, WA | 3 | $ 1,801,000 | $ 600,333 | $ 138,000 |
| Tallahassee, FL | 3 | $ 987,000 | $ 329,000 | $ 109,000 |
| Wilmington, DE-MD-NJ | 3 | $ 1,851,000 | $ 617,000 | $ 298,000 |
| Albuquerque, NM | 2 | $ 1,136,000 | $ 568,000 | $ 311,000 |
| Athens-Clarke County, GA | 2 | $ 388,000 | $ 194,000 | $ 284,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 565,000 | $ 282,500 | $ 92,000 |
| Brownsville-Harlingen, TX | 2 | $ 805,000 | $ 402,500 | $ 169,000 |
| Brunswick, GA | 2 | $ 373,000 | $ 186,500 | $ 106,000 |
| Burlington-South Burlington, VT | 2 | $ 890,000 | $ 445,000 | $ 323,000 |
| Charlottesville, VA | 2 | $ 1,281,000 | $ 640,500 | $ 371,000 |
| Des Moines-West Des Moines, IA | 2 | $ 1,480,000 | $ 740,000 | $ 320,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 1,105,000 | $ 552,500 | $ 159,000 |
| Jackson, MS | 2 | $ 1,130,000 | $ 565,000 | $ 430,000 |
| Memphis, TN-MS-AR | 2 | $ 542,000 | $ 271,000 | $ 118,000 |
| Midland, TX | 2 | $ 2,390,000 | $ 1,195,000 | $ 395,000 |
| Pittsfield, MA | 2 | $ 979,000 | $ 489,500 | $ 642,000 |
| Provo-Orem, UT | 2 | $ 1,100,000 | $ 550,000 | $ 142,000 |
| Sioux Falls, SD | 2 | $ 1,763,000 | $ 881,500 | $ 444,000 |
| Springfield, MA | 2 | $ 1,445,000 | $ 722,500 | $ 612,000 |
| Syracuse, NY | 2 | $ 1,158,000 | $ 579,000 | $ 554,000 |
| Vallejo-Fairfield, CA | 2 | $ 1,810,000 | $ 905,000 | $ 642,000 |
| Wenatchee, WA | 2 | $ 1,100,000 | $ 550,000 | $ 627,000 |
| Battle Creek, MI | 1 | $ 551,000 | $ 551,000 | $ 306,000 |
| Bellingham, WA | 1 | $ 440,000 | $ 440,000 | $ 158,000 |
| Chico, CA | 1 | $ 201,000 | $ 201,000 | $ 220,000 |
| College Station-Bryan, TX | 1 | $ 469,000 | $ 469,000 | $ 251,000 |
| Corpus Christi, TX | 1 | $ 500,000 | $ 500,000 | $ 261,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 650,000 | $ 650,000 | $ 199,000 |
| Dayton, OH | 1 | $ 320,000 | $ 320,000 | $ 152,000 |
| Dothan, AL | 1 | $ 260,000 | $ 260,000 | $ 64,000 |
| Duluth, MN-WI | 1 | $ 1,400,000 | $ 1,400,000 | $ 3,471,000 |
| Eau Claire, WI | 1 | $ 417,000 | $ 417,000 | $ 186,000 |
| Erie, PA | 1 | $ 825,000 | $ 825,000 | $ 163,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 714,000 | $ 714,000 | $ 304,000 |
| Flint, MI | 1 | $ 1,500,000 | $ 1,500,000 | $ 567,000 |
| Fort Wayne, IN | 1 | $ 500,000 | $ 500,000 | $ 125,000 |
| Gainesville, FL | 1 | $ 450,000 | $ 450,000 | $ 315,000 |
| Glens Falls, NY | 1 | $ 247,000 | $ 247,000 | $ 871,000 |
| Grand Junction, CO | 1 | $ 182,000 | $ 182,000 | $ 404,000 |
| Greeley, CO | 1 | $ 560,000 | $ 560,000 | $ 73,000 |
| Green Bay, WI | 1 | $ 932,000 | $ 932,000 | $ 205,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 591,000 | $ 591,000 | $ 356,000 |
| Huntsville, AL | 1 | $ 417,000 | $ 417,000 | $ 477,000 |
| Jacksonville, NC | 1 | $ 813,000 | $ 813,000 | $ 204,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 1,537,000 | $ 1,537,000 | $ 261,000 |
| Lancaster, PA | 1 | $ 672,000 | $ 672,000 | $ 250,000 |
| Las Cruces, NM | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Manchester-Nashua, NH | 1 | $ 194,000 | $ 194,000 | $ 70,000 |
| Missoula, MT | 1 | $ 563,000 | $ 563,000 | $ 241,000 |
| Muskegon, MI | 1 | $ 215,000 | $ 215,000 | $ 118,000 |
| Ocala, FL | 1 | $ 288,000 | $ 288,000 | $ 79,000 |
| Odessa, TX | 1 | $ 368,000 | $ 368,000 | $ 413,000 |
| Olympia-Tumwater, WA | 1 | $ 328,000 | $ 328,000 | $ 146,000 |
| Panama City, FL | 1 | $ 3,000,000 | $ 3,000,000 | $ 936,000 |
| Peoria, IL | 1 | $ 265,000 | $ 265,000 | $ 175,000 |
| Punta Gorda, FL | 1 | $ 800,000 | $ 800,000 | $ 1,134,000 |
| Racine, WI | 1 | $ 581,000 | $ 581,000 | $ 863,000 |
| Rapid City, SD | 1 | $ 178,000 | $ 178,000 | $ 199,000 |
| Reading, PA | 1 | $ 592,000 | $ 592,000 | $ 941,000 |
| Roanoke, VA | 1 | $ 468,000 | $ 468,000 | $ 200,000 |
| Rochester, MN | 1 | $ 71,000 | $ 71,000 | $ 44,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 639,000 | $ 639,000 | $ 231,000 |
| Shreveport-Bossier City, LA | 1 | $ 479,000 | $ 479,000 | $ 179,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 444,000 | $ 444,000 | $ 250,000 |
| Toledo, OH | 1 | $ 211,000 | $ 211,000 | $ 91,000 |
| Tuscaloosa, AL | 1 | $ 165,000 | $ 165,000 | $ 412,000 |
| Tyler, TX | 1 | $ 191,000 | $ 191,000 | $ 406,000 |
| Visalia-Porterville, CA | 1 | $ 608,000 | $ 608,000 | $ 126,000 |
| Wichita, KS | 1 | $ 560,000 | $ 560,000 | $ 235,000 |
| Worcester, MA-CT | 1 | $ 840,000 | $ 840,000 | $ 520,000 |
Mortgage Loan Application Detail Totals for UBS Bank USA in 2016
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 | 3,028 | $3,400,549,000 | $1,123,000 | $26,000,000 | $528,000 | $9,999,000 |
| Home Purchase | 1,487 | $1,475,820,000 | $992,000 | $13,250,000 | $527,000 | $9,672,000 |
| Home Improvement | 34 | $45,818,000 | $1,347,000 | $5,500,000 | $504,000 | $1,643,000 |
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 | 3,806 | $4,035,547,000 | $1,060,000 | $26,000,000 | $515,000 | $9,999,000 |
| Not Provided | 353 | $453,944,000 | $1,285,000 | $13,250,000 | $627,000 | $6,471,000 |
| Asian | 191 | $248,413,000 | $1,300,000 | $13,000,000 | $648,000 | $9,999,000 |
| Hispanic | 135 | $133,408,000 | $988,000 | $4,468,000 | $481,000 | $4,023,000 |
| Black or African American | 38 | $31,112,000 | $818,000 | $2,560,000 | $561,000 | $3,531,000 |
| American Indian or Alaskan Native | 16 | $11,147,000 | $696,000 | $2,200,000 | $238,000 | $900,000 |
| Native Hawaiin or Other Pacific Islander | 10 | $8,616,000 | $861,000 | $1,625,000 | $304,000 | $683,000 |
| 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) | 4,549 | $4,922,187,000 | $1,082,000 | $26,000,000 | $527,000 | $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 | 2,811 | $2,920,680,000 | $1,039,000 | $17,500,000 | $528,000 | $9,999,000 |
| Application Withdrawn By Applicant | 701 | $760,028,000 | $1,084,000 | $16,000,000 | $546,000 | $9,999,000 |
| Application Denied By Financial Institution | 595 | $661,892,000 | $1,112,000 | $10,000,000 | $404,000 | $6,000,000 |
| Loan Purchased By The Institution | 253 | $329,430,000 | $1,302,000 | $13,000,000 | $773,000 | $9,672,000 |
| File Closed For Incompleteness | 144 | $199,219,000 | $1,383,000 | $26,000,000 | $480,000 | $6,816,000 |
| Application Approved But Not Accepted | 45 | $50,938,000 | $1,131,000 | $7,350,000 | $589,000 | $4,217,000 |
| 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 | 233 | $269,874,000 | $1,158,000 | $10,000,000 | $187,000 | $1,439,000 |
| Credit Application Incomplete | 106 | $105,706,000 | $997,000 | $5,000,000 | $437,000 | $3,500,000 |
| Other | 102 | $123,797,000 | $1,213,000 | $8,660,000 | $585,000 | $6,000,000 |
| Collateral | 100 | $108,927,000 | $1,089,000 | $8,450,000 | $670,000 | $5,824,000 |
| Credit History | 30 | $24,489,000 | $816,000 | $2,000,000 | $515,000 | $2,823,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $21,835,000 | $1,819,000 | $4,500,000 | $403,000 | $1,200,000 |
| Unverifiable Information | 11 | $6,814,000 | $619,000 | $1,000,000 | $272,000 | $769,000 |
| Employment History | 1 | $450,000 | $450,000 | $450,000 | $570,000 | $570,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into UBS Bank USA's 2016 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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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