UBS Bank USA in Georgia vs the state
4.1%Denial rate-15.10 pts vs state
4.8%Decision denial rate-20.25 pts vs state
81.4%Origination rate+27.35 pts vs state
5.88%Median rate-0.75 pts vs state
-0.11Rate spread (pts)-0.38 pts vs state
$480kMedian applicant income
79Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 46 | 9.0% | 5.81% | #378 |
| 2024 | 70 | 57 | 2.9% | 6.50% | #386 |
| 2025 | 97 | 79 | 4.1% | 5.88% | #342 |
What UBS Bank USA lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 39 | 34 | 2 | 5.1% |
| DeKalb County | 14 | 11 | 1 | 7.1% |
| Cobb County | 9 | 5 | 0 | 0.0% |
| Chatham County | 6 | 5 | 0 | 0.0% |
| Glynn County | 6 | 4 | 0 | 0.0% |
| Greene County | 5 | 4 | 0 | 0.0% |
| Fayette County | 3 | 3 | 0 | 0.0% |
| Putnam County | 2 | 2 | 0 | 0.0% |
| Forsyth County | 2 | 2 | 0 | 0.0% |
| Walker County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 97 applications in 2025, of which 79 were originated and 4 denied.
4.1% of all applications, or 4.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans UBS Bank USA originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology