UBS Bank USA in Maryland vs the state
5.4%Denial rate-13.44 pts vs state
5.5%Decision denial rate-18.68 pts vs state
92.9%Origination rate+37.15 pts vs state
6.00%Median rate-0.63 pts vs state
-0.13Rate spread (pts)-0.37 pts vs state
$425kMedian applicant income
52Loans originated
3Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 34 | 9.3% | 6.31% | #308 |
| 2024 | 48 | 37 | 4.2% | 6.50% | #310 |
| 2025 | 56 | 52 | 5.4% | 6.00% | #304 |
What UBS Bank USA lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 29 | 28 | 1 | 3.4% |
| Baltimore city | 5 | 4 | 1 | 20.0% |
| Baltimore County | 5 | 5 | 0 | 0.0% |
| Anne Arundel County | 4 | 4 | 0 | 0.0% |
| Howard County | 3 | 3 | 0 | 0.0% |
| Talbot County | 3 | 3 | 0 | 0.0% |
| Worcester County | 3 | 1 | 1 | 33.3% |
| Kent County | 2 | 2 | 0 | 0.0% |
| Queen Anne's County | 2 | 2 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 56 applications in 2025, of which 52 were originated and 3 denied.
5.4% of all applications, or 5.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans UBS Bank USA originated in Maryland in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology