UBS Bank USA in Florida vs the state
9.8%Denial rate-11.26 pts vs state
12.5%Decision denial rate-14.77 pts vs state
68.9%Origination rate+16.16 pts vs state
5.88%Median rate-0.75 pts vs state
-0.11Rate spread (pts)-0.37 pts vs state
$522kMedian applicant income
316Loans originated
45Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 467 | 317 | 9.4% | 5.88% | #239 |
| 2024 | 462 | 321 | 7.6% | 6.38% | #249 |
| 2025 | 459 | 316 | 9.8% | 5.88% | #251 |
What UBS Bank USA lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 91 | 62 | 11 | 12.1% |
| Miami-Dade County | 78 | 45 | 11 | 14.1% |
| Collier County | 53 | 40 | 1 | 1.9% |
| Broward County | 38 | 24 | 5 | 13.2% |
| Lee County | 30 | 26 | 2 | 6.7% |
| Sarasota County | 20 | 17 | 3 | 15.0% |
| Hillsborough County | 20 | 13 | 4 | 20.0% |
| Pinellas County | 16 | 9 | 0 | 0.0% |
| Walton County | 15 | 14 | 0 | 0.0% |
| St. Johns County | 13 | 11 | 1 | 7.7% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 459 applications in 2025, of which 316 were originated and 45 denied.
9.8% of all applications, or 12.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans UBS Bank USA originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology