UBS Bank USA in North Carolina vs the state
3.1%Denial rate-15.01 pts vs state
3.4%Decision denial rate-19.40 pts vs state
84.7%Origination rate+26.92 pts vs state
5.88%Median rate-0.63 pts vs state
-0.11Rate spread (pts)-0.20 pts vs state
$396kMedian applicant income
111Loans originated
4Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 68 | 6.3% | 6.25% | #313 |
| 2024 | 125 | 104 | 4.8% | 6.38% | #273 |
| 2025 | 131 | 111 | 3.1% | 5.88% | #286 |
What UBS Bank USA lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 37 | 31 | 2 | 5.4% |
| Wake County | 12 | 11 | 0 | 0.0% |
| Buncombe County | 9 | 7 | 1 | 11.1% |
| Iredell County | 6 | 5 | 0 | 0.0% |
| New Hanover County | 5 | 4 | 0 | 0.0% |
| Avery County | 4 | 3 | 1 | 25.0% |
| Macon County | 4 | 4 | 0 | 0.0% |
| Dare County | 4 | 4 | 0 | 0.0% |
| Forsyth County | 4 | 3 | 0 | 0.0% |
| Durham County | 4 | 4 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 131 applications in 2025, of which 111 were originated and 4 denied.
3.1% of all applications, or 3.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans UBS Bank USA originated in North Carolina in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology