Lender in California · HMDA 2025
UBS Bank USA mortgages in California
UBS Bank USA's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
UBS Bank USA originated 314 owner-occupied single-family loans in California from 341 completed applications.
Its median conventional purchase loan costs were $8,090 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.125% (California: 6.625%).
Loans in CA
314
of 341 applications
Denial rate
4.9%
Purchase · CA 8.9%
Rate spread
−0.12 pts
Conv. · CA +0.09 pts
Loan amount
$1,325,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 247 | 232 | 4.9% | 6.125% | −0.12 pts | $8,090 | $1,325,000 |
| Refinance | 54 | 49 | 9.3% | — | −0.06 pts | $4,280 | $1,125,000 |
| Cash-out refinance | 40 | 33 | 17.5% | — | −0.04 pts | $3,880 | $1,125,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology