UBS Bank USA in Minnesota vs the state
1.5%Denial rate-12.15 pts vs state
1.7%Decision denial rate-14.66 pts vs state
84.1%Origination rate+17.69 pts vs state
5.88%Median rate-0.75 pts vs state
-0.16Rate spread (pts)-0.41 pts vs state
$439kMedian applicant income
58Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 46 | 5.5% | 6.00% | #260 |
| 2024 | 44 | 36 | 4.6% | 6.63% | #285 |
| 2025 | 69 | 58 | 1.5% | 5.88% | #249 |
What UBS Bank USA lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 39 | 34 | 0 | 0.0% |
| Ramsey County | 5 | 5 | 0 | 0.0% |
| Dakota County | 4 | 3 | 0 | 0.0% |
| Carver County | 4 | 4 | 0 | 0.0% |
| Cass County | 3 | 2 | 0 | 0.0% |
| Crow Wing County | 3 | 1 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Olmsted County | 1 | 1 | 0 | 0.0% |
| Rice County | 1 | 1 | 0 | 0.0% |
| Kandiyohi County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 69 applications in 2025, of which 58 were originated and 1 denied.
1.5% of all applications, or 1.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans UBS Bank USA originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology