The Mortgage Record
Lender report card · New Jersey

Ubs Bank Usa

Salt Lake City, UT · What the federal mortgage record shows about how Ubs Bank Usa treated New Jersey applicants, 2018–2025 — 1,427 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.5%
1,306 approved
Denial rate
8.5%
121 denied
Decisions
1,427
2018–2025
Avg. rate spread
-0.14 pp
vs. market benchmark
91.5% approved
8.5% denied

Share of 1,427 New Jersey applications Ubs Bank Usa approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional91.5% of 1,427 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

84%87%90%93%96%99%92%89%88%92%97%90%92%95%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Ubs Bank Usa’s rates ran -0.37 pp lower than the typical New Jersey lender (average rate spread -0.14 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Ubs Bank Usa approves

By income
$75–100k72.7% · 33$100–150k84.9% · 106$150–250k91.5% · 260$250k+94.6% · 989
By debt-to-income
Under 36%95.4% · 69836–43%97.6% · 34043–50%93.1% · 246Over 50%55.4% · 139
By down payment (LTV)
20%+ down91.8% · 1,02210–20% down90.6% · 855–10% down100.0% · 28Under 3% down88.0% · 108

Why Ubs Bank Usa denied applications

Debt-to-income ratio45% of denialsCollateral (value/type)21% of denialsIncomplete application21% of denialsCredit history15% of denialsInsufficient cash to close5% of denialsUnverifiable information4% of denials

Where Ubs Bank Usa lends in NJ

CountyDecisionsApproval
Bergen County26488.6%
Monmouth County21794.9%
Ocean County16292.6%
Morris County14989.9%
Essex County14195.0%
Cape May County10188.1%
Union County7197.2%
Hudson County6692.4%

Fees & closing costs

Median total loan costs
$6,798
home purchase
As % of loan
0.84%
NJ median 1.93%
Priced originations
675
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Ubs Bank Usa’s home-purchase originations — 1.10 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $459. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Ubs Bank Usa to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Ubs Bank Usa (LEI 549300GWD9H4FQ2VR805). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →