U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

UBS Bank USA, National Association

BankSalt Lake City, UTActive

FDIC certificate 57565

Data observedAugust 5, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
57565
company ID
Not published — no verified match
More identifiers
Federal Reserve
3212149
OCC charter number
25396
Not published — no verified match
Official website
http://www.ubs.com/cefs/en/ubs-bank-usa/ubs-bank-usa.html

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Salt Lake City, UT
HMDA activity
Published activity year 2025
Listed branch locations
0
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam July 1, 2024
Institution history
No published institution history result found

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Salt Lake City, UT
activity
Published activity year 2025
Listed branch locations
0
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam July 1, 2024
Institution history
No published institution history result found

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

4,986reported records

3,386reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

4,986

2025

Loan originations

3,386

2025

Denials

284

2025

Withdrawals

722

2025

Denial rate among decisioned applications

7.7%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
20254,9863,386132847227.7%
20243,9012,537232275508.1%
20234,1082,4951129361210.5%
20227,7584,960163347966.3%
202110,0355,938575971,3379.1%
20209,2895,507657941,56312.5%
20198,5974,926597031,20512.4%
20186,2864,079243919458.7%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional4,986
FHA0
VA0
RHS / FSA0
Home purchase3,347
Home improvement0
Refinancing400
Cash-out refinancing248

State reporting

51 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

24

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20121
20133
20143
20151
20161
20183
20191
20205
20211
20221
20231
20241
20251
20261

Leading issues

  1. Trouble during payment process

    None

    9

  2. Loan servicing, payments, escrow account

    None

    4

  3. Application, originator, mortgage broker

    None

    2

  4. Applying for a mortgage or refinancing an existing mortgage

    None

    2

  5. Loan modification,collection,foreclosure

    None

    2

View all issues (10)

  1. Credit decision / Underwriting

    None

    1

  2. Problem with a company's investigation into an existing problem

    Their investigation did not fix an error on your report

    1

  3. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    1

  4. Trouble during payment process

    Escrow, taxes, or insurance

    1

  5. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    1

States

  1. California

    3

  2. Florida

    2

  3. Illinois

    2

  4. Maryland

    2

  5. Virginia

    2

View all states (18)

  1. Arizona

    1

  2. Colorado

    1

  3. Georgia

    1

  4. Massachusetts

    1

  5. Michigan

    1

  6. Nevada

    1

  7. New Mexico

    1

  8. New York

    1

  9. None

    1

  10. North Carolina

    1

  11. Ohio

    1

  12. Oregon

    1

  13. South Carolina

    1

Company response

  1. Closed with explanation

    20

  2. Closed

    4

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    24

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
UBS Bank USA, National Association
Display name
UBS Bank USA, National Association
Institution status
Active
FDIC insured
Yes
FDIC insured since
September 15, 2003
Established date
September 15, 2003
Charter class
National bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Office of the Comptroller of the Currency
Headquarters
Salt Lake City, UT, 84111, United States
Website
http://www.ubs.com/cefs/en/ubs-bank-usa/ubs-bank-usa.html
FDIC certificate number
57565
Federal Reserve
3212149
OCC charter number
25396
Domestic location count
1
Source observed
August 5, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
OCC
Institution type
National Bank
Primary activity
NAICS 52211
FDIC certificate
57565
Federal Reserve
3212149
549300GWD9H4FQ2VR805
Headquarters
95 State Street, Suite 2200, Salt Lake City, UT, 84111, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Outstanding
Exam date
July 1, 2024
Regulator
FDIC
Examination method
Strategic Plan

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
July 1, 2024OutstandingFDICStrategic Plan
June 1, 2021OutstandingFDICStrategic Plan
January 1, 2019OutstandingFDICStrategic Plan
July 1, 2015OutstandingFDICWholesale/Limited Purpose
June 1, 2012OutstandingFDICStrategic Plan
March 2, 2009OutstandingFDICStrategic Plan
October 1, 2005OutstandingFDICStrategic Plan

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

1

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
ROOT_INSTITUTIONUBS BANK USA, NATIONAL ASSOCIATIONNational BankSalt Lake City, UT

These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured national bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesBranch rows are paged. Filters stay in the page address.

Ask about these locations

Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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