UBS Bank USA at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
58th7.7% deniedPricingmedian rate spread over APOR, weight 30%
88th-0.12 ptsProcesswithdrawn + incomplete share, weight 15%
46th17.8%Closing coststotal loan costs ÷ loan amount, weight 10%
95th0.66% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,467 | 2,495 | 8.5% | 10.5% | 6.00% | $3.1B |
| 2024 | 3,397 | 2,537 | 6.7% | 8.1% | 6.38% | $3.5B |
| 2025 | 4,480 | 3,386 | 6.3% | 7.7% | 5.88% | $4.7B |
What UBS Bank USA lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 253 investment properties.
Why UBS Bank USA denies applications
Primary reason reported for each of the 284 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at UBS Bank USA
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 113 | 57 | 31.8% |
| $100k – $150k | 209 | 139 | 12.6% |
| $150k – $250k | 632 | 482 | 9.4% |
| Over $250k | 3,452 | 2,686 | 5.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 40 | 29 | 19.4% |
| 25–34 | 758 | 615 | 6.4% |
| 35–44 | 1,039 | 777 | 7.5% |
| 45–54 | 852 | 635 | 7.9% |
| 55–64 | 955 | 721 | 7.5% |
| 65–74 | 585 | 436 | 7.6% |
| Over 74 | 215 | 152 | 11.1% |
Where UBS Bank USA lends
51 states and 605 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 749 | 552 | 5.9% | 5.88% | #199 |
| Florida | 459 | 316 | 9.8% | 5.88% | #251 |
| New York | 448 | 308 | 7.8% | 5.88% | #144 |
| Texas | 275 | 200 | 10.2% | 5.88% | #354 |
| Colorado | 223 | 163 | 6.7% | 5.75% | #170 |
| New Jersey | 174 | 139 | 4.6% | 5.88% | #210 |
| Massachusetts | 154 | 124 | 4.6% | 5.88% | #195 |
| Washington | 154 | 130 | 5.2% | 5.88% | #211 |
| North Carolina | 131 | 111 | 3.1% | 5.88% | #286 |
| Arizona | 123 | 98 | 4.9% | 5.94% | #223 |
| Illinois | 112 | 84 | 8.9% | 6.00% | #331 |
| Tennessee | 112 | 86 | 3.6% | 6.00% | #298 |
| Connecticut | 106 | 82 | 5.7% | 5.88% | #163 |
| Michigan | 99 | 73 | 11.1% | 5.88% | #277 |
| Georgia | 97 | 79 | 4.1% | 5.88% | #342 |
| South Carolina | 97 | 73 | 8.3% | 5.88% | #261 |
| Ohio | 94 | 70 | 3.2% | 6.13% | #332 |
| Pennsylvania | 70 | 57 | 4.3% | 6.00% | #432 |
| Minnesota | 69 | 58 | 1.5% | 5.88% | #249 |
| Oregon | 68 | 56 | 2.9% | 5.88% | #197 |
| Virginia | 66 | 56 | 3.0% | 6.06% | #340 |
| Utah | 62 | 52 | 3.2% | 5.81% | #157 |
| Maryland | 56 | 52 | 5.4% | 6.00% | #304 |
| Nevada | 54 | 38 | 9.3% | 5.94% | #202 |
| Idaho | 44 | 29 | 9.1% | 5.88% | #171 |
| Montana | 35 | 27 | 5.7% | 5.88% | #114 |
| Indiana | 33 | 26 | 6.1% | 5.88% | #399 |
| District of Columbia | 32 | 24 | 3.1% | 5.88% | #96 |
| Wisconsin | 25 | 21 | 4.0% | 5.88% | #395 |
| Hawaii | 23 | 20 | 4.4% | 5.81% | #123 |
| Kentucky | 23 | 19 | 4.4% | 6.25% | #337 |
| Maine | 23 | 15 | 4.4% | 6.13% | #168 |
| New Hampshire | 20 | 15 | 5.0% | 6.13% | #188 |
| Louisiana | 19 | 14 | 5.3% | 6.13% | #318 |
| Rhode Island | 18 | 14 | 5.6% | 6.00% | #151 |
| Vermont | 17 | 13 | 5.9% | 6.25% | #87 |
| Oklahoma | 16 | 10 | 0.0% | 6.50% | #353 |
| Missouri | 14 | 12 | 0.0% | 6.25% | #477 |
| Alabama | 13 | 11 | 0.0% | 6.38% | #440 |
| Arkansas | 12 | 8 | 0.0% | 5.88% | #328 |
| Delaware | 11 | 9 | 9.1% | 6.25% | #231 |
| New Mexico | 10 | 8 | 10.0% | 5.81% | #252 |
| Kansas | 9 | 7 | 11.1% | 6.13% | #356 |
| Mississippi | 7 | 7 | 0.0% | 5.88% | #313 |
| Nebraska | 6 | 6 | 0.0% | 6.19% | #296 |
| Wyoming | 6 | 5 | 0.0% | 5.50% | #182 |
| Alaska | 5 | 4 | 0.0% | 6.19% | #140 |
Frequently asked questions
UBS Bank USA denied 7.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 58th percentile of mid-size mortgage lenders.
The most common reason UBS Bank USA gave in 2025 was "debt-to-income ratio", cited on 46.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans UBS Bank USA originated in 2025 was 5.88%, and its median rate spread over the average prime offer rate was -0.12 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 14% for refinancing (including cash-out), and 22% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.