UBS Bank USA in Michigan vs the state
11.1%Denial rate-7.41 pts vs state
13.1%Decision denial rate-9.48 pts vs state
73.7%Origination rate+13.85 pts vs state
5.88%Median rate-0.88 pts vs state
-0.04Rate spread (pts)-0.44 pts vs state
$252kMedian applicant income
73Loans originated
11Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 47 | 4.8% | 6.25% | #315 |
| 2024 | 56 | 46 | 1.8% | 6.44% | #336 |
| 2025 | 99 | 73 | 11.1% | 5.88% | #277 |
What UBS Bank USA lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 29 | 23 | 2 | 6.9% |
| Wayne County | 15 | 10 | 2 | 13.3% |
| Grand Traverse County | 9 | 8 | 0 | 0.0% |
| Macomb County | 8 | 8 | 0 | 0.0% |
| Berrien County | 4 | 3 | 1 | 25.0% |
| Washtenaw County | 4 | 2 | 1 | 25.0% |
| Livingston County | 4 | 2 | 0 | 0.0% |
| Leelanau County | 3 | 3 | 0 | 0.0% |
| Kent County | 3 | 2 | 1 | 33.3% |
| Charlevoix County | 2 | 2 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 99 applications in 2025, of which 73 were originated and 11 denied.
11.1% of all applications, or 13.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans UBS Bank USA originated in Michigan in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology