UBS Bank USA in Colorado vs the state
6.7%Denial rate-8.90 pts vs state
8.4%Decision denial rate-11.28 pts vs state
73.1%Origination rate+13.07 pts vs state
5.75%Median rate-0.88 pts vs state
-0.14Rate spread (pts)-0.29 pts vs state
$394kMedian applicant income
163Loans originated
15Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 124 | 4.8% | 6.00% | #171 |
| 2024 | 159 | 120 | 4.4% | 6.38% | #182 |
| 2025 | 223 | 163 | 6.7% | 5.75% | #170 |
What UBS Bank USA lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 42 | 30 | 1 | 2.4% |
| Douglas County | 31 | 24 | 3 | 9.7% |
| Jefferson County | 24 | 20 | 0 | 0.0% |
| Arapahoe County | 23 | 16 | 2 | 8.7% |
| Boulder County | 21 | 15 | 1 | 4.8% |
| Summit County | 16 | 13 | 0 | 0.0% |
| Eagle County | 11 | 4 | 6 | 54.5% |
| Pitkin County | 10 | 5 | 1 | 10.0% |
| El Paso County | 9 | 8 | 0 | 0.0% |
| Larimer County | 6 | 4 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 223 applications in 2025, of which 163 were originated and 15 denied.
6.7% of all applications, or 8.4% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans UBS Bank USA originated in Colorado in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology