UBS Bank USA in California vs the state
5.9%Denial rate-11.55 pts vs state
7.3%Decision denial rate-15.07 pts vs state
73.7%Origination rate+17.50 pts vs state
5.88%Median rate-0.75 pts vs state
-0.11Rate spread (pts)-0.38 pts vs state
$570kMedian applicant income
552Loans originated
44Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 463 | 325 | 10.6% | 5.88% | #236 |
| 2024 | 509 | 375 | 6.9% | 6.25% | #241 |
| 2025 | 749 | 552 | 5.9% | 5.88% | #199 |
What UBS Bank USA lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 196 | 138 | 13 | 6.6% |
| Orange County | 100 | 81 | 5 | 5.0% |
| San Diego County | 86 | 60 | 5 | 5.8% |
| Riverside County | 35 | 28 | 1 | 2.9% |
| San Mateo County | 33 | 22 | 3 | 9.1% |
| Santa Clara County | 30 | 23 | 3 | 10.0% |
| Santa Barbara County | 30 | 20 | 2 | 6.7% |
| Ventura County | 27 | 21 | 3 | 11.1% |
| San Francisco County | 26 | 19 | 0 | 0.0% |
| Contra Costa County | 26 | 20 | 2 | 7.7% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 749 applications in 2025, of which 552 were originated and 44 denied.
5.9% of all applications, or 7.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans UBS Bank USA originated in California in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology