UBS Bank USA in New Jersey vs the state
4.6%Denial rate-13.09 pts vs state
5.4%Decision denial rate-17.61 pts vs state
79.9%Origination rate+24.21 pts vs state
5.88%Median rate-0.88 pts vs state
-0.18Rate spread (pts)-0.46 pts vs state
$466kMedian applicant income
139Loans originated
8Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 103 | 8.6% | 5.88% | #201 |
| 2024 | 144 | 102 | 6.3% | 6.38% | #224 |
| 2025 | 174 | 139 | 4.6% | 5.88% | #210 |
What UBS Bank USA lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 30 | 24 | 1 | 3.3% |
| Essex County | 20 | 15 | 1 | 5.0% |
| Monmouth County | 18 | 16 | 0 | 0.0% |
| Ocean County | 17 | 13 | 1 | 5.9% |
| Morris County | 17 | 14 | 1 | 5.9% |
| Cape May County | 14 | 10 | 2 | 14.3% |
| Hudson County | 13 | 10 | 0 | 0.0% |
| Somerset County | 10 | 10 | 0 | 0.0% |
| Camden County | 6 | 5 | 0 | 0.0% |
| Mercer County | 5 | 4 | 1 | 20.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 174 applications in 2025, of which 139 were originated and 8 denied.
4.6% of all applications, or 5.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans UBS Bank USA originated in New Jersey 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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology