UBS Bank USA
3,386 mortgages originated in 2025 across 23 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,386
- Median rate
- 5.875%
- Median lender fees
- $5,932
- Median loan amount
- $895,000
- Median spread over APOR
- -0.116
- Paid discount points
- 2.7%
- Received lender credits
- 27.3%
- Purchases / refinances
- 64.4% / 13%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.3% of loans here — see methodology.
Where UBS Bank USA lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 552 | $6,229 | 5.875% |
| Florida | 316 | $8,296 | 5.875% |
| New York | 308 | $7,131 | 5.875% |
| Texas | 200 | $8,358 | 5.875% |
| Colorado | 163 | $4,051 | 5.750% |
| New Jersey | 139 | $6,511 | 5.875% |
| Washington | 130 | $5,352 | 5.875% |
| Massachusetts | 124 | $6,205 | 5.875% |
| North Carolina | 111 | $4,707 | 5.875% |
| Arizona | 98 | $5,667 | 5.938% |
| Tennessee | 86 | $5,106 | 6.000% |
| Illinois | 84 | $6,465 | 6.000% |
| Connecticut | 82 | $7,383 | 5.875% |
| Georgia | 79 | $6,199 | 5.875% |
| Michigan | 73 | $4,326 | 5.875% |
| South Carolina | 73 | $5,157 | 5.875% |
| Ohio | 70 | $4,675 | 6.125% |
| Minnesota | 58 | $4,720 | 5.875% |
| Pennsylvania | 57 | $5,886 | 6.000% |
| Oregon | 56 | $4,799 | 5.875% |
| Virginia | 56 | $5,476 | 6.063% |
| Utah | 52 | $5,133 | 5.813% |
| Maryland | 52 | $5,818 | 6.000% |