UBS Bank USA in Kentucky vs the state
4.4%Denial rate-14.46 pts vs state
5.0%Decision denial rate-18.49 pts vs state
82.6%Origination rate+24.57 pts vs state
6.25%Median rate-0.50 pts vs state
-0.06Rate spread (pts)-0.37 pts vs state
$270kMedian applicant income
19Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 10 | 11.8% | 6.00% | #338 |
| 2024 | 14 | 13 | 0.0% | 6.75% | #371 |
| 2025 | 23 | 19 | 4.4% | 6.25% | #337 |
What UBS Bank USA lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 5 | 4 | 0 | 0.0% |
| Scott County | 5 | 4 | 0 | 0.0% |
| Campbell County | 3 | 3 | 0 | 0.0% |
| Kenton County | 3 | 3 | 0 | 0.0% |
| Boyd County | 2 | 1 | 1 | 50.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Jessamine County | 1 | 1 | 0 | 0.0% |
| McCracken County | 1 | 0 | 0 | 0.0% |
| Muhlenberg County | 1 | 1 | 0 | 0.0% |
| Allen County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 23 applications in 2025, of which 19 were originated and 1 denied.
4.4% of all applications, or 5.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans UBS Bank USA originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology