UBS Bank USA in New York vs the state
7.8%Denial rate-11.94 pts vs state
10.1%Decision denial rate-13.90 pts vs state
68.8%Origination rate+9.16 pts vs state
5.88%Median rate-0.75 pts vs state
-0.15Rate spread (pts)-0.36 pts vs state
$642kMedian applicant income
308Loans originated
35Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 347 | 225 | 13.3% | 5.88% | #147 |
| 2024 | 270 | 187 | 12.6% | 6.25% | #174 |
| 2025 | 448 | 308 | 7.8% | 5.88% | #144 |
What UBS Bank USA lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 158 | 110 | 12 | 7.6% |
| Westchester County | 66 | 51 | 5 | 7.6% |
| Suffolk County | 59 | 37 | 5 | 8.5% |
| Kings County | 58 | 30 | 9 | 15.5% |
| Nassau County | 44 | 32 | 4 | 9.1% |
| Dutchess County | 10 | 8 | 0 | 0.0% |
| Rockland County | 7 | 7 | 0 | 0.0% |
| Queens County | 6 | 5 | 0 | 0.0% |
| Ulster County | 6 | 3 | 0 | 0.0% |
| Monroe County | 4 | 2 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 448 applications in 2025, of which 308 were originated and 35 denied.
7.8% of all applications, or 10.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans UBS Bank USA originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology