UBS Bank USA in Arizona vs the state
4.9%Denial rate-11.35 pts vs state
5.8%Decision denial rate-14.64 pts vs state
79.7%Origination rate+20.19 pts vs state
5.94%Median rate-0.56 pts vs state
-0.13Rate spread (pts)-0.35 pts vs state
$441kMedian applicant income
98Loans originated
6Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 89 | 5.6% | 6.00% | #206 |
| 2024 | 100 | 69 | 8.0% | 6.38% | #236 |
| 2025 | 123 | 98 | 4.9% | 5.94% | #223 |
What UBS Bank USA lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 97 | 77 | 6 | 6.2% |
| Coconino County | 8 | 6 | 0 | 0.0% |
| Pima County | 8 | 7 | 0 | 0.0% |
| Pinal County | 6 | 5 | 0 | 0.0% |
| Yavapai County | 2 | 2 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Mohave County | 1 | 0 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 123 applications in 2025, of which 98 were originated and 6 denied.
4.9% of all applications, or 5.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans UBS Bank USA originated in Arizona in 2025 was 5.94%, against a statewide median of 6.50%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology