UBS Bank USA in Ohio vs the state
3.2%Denial rate-14.50 pts vs state
4.1%Decision denial rate-17.84 pts vs state
74.5%Origination rate+14.57 pts vs state
6.13%Median rate-0.75 pts vs state
-0.08Rate spread (pts)-0.47 pts vs state
$269kMedian applicant income
70Loans originated
3Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 56 | 10.0% | 6.25% | #329 |
| 2024 | 87 | 69 | 6.9% | 6.38% | #326 |
| 2025 | 94 | 70 | 3.2% | 6.13% | #332 |
What UBS Bank USA lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 22 | 19 | 1 | 4.5% |
| Cuyahoga County | 20 | 13 | 1 | 5.0% |
| Franklin County | 11 | 9 | 0 | 0.0% |
| Warren County | 6 | 6 | 0 | 0.0% |
| Delaware County | 6 | 3 | 1 | 16.7% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Hocking County | 3 | 3 | 0 | 0.0% |
| Lorain County | 3 | 3 | 0 | 0.0% |
| Greene County | 2 | 2 | 0 | 0.0% |
| Miami County | 2 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 94 applications in 2025, of which 70 were originated and 3 denied.
3.2% of all applications, or 4.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans UBS Bank USA originated in Ohio in 2025 was 6.13%, against a statewide median of 6.88%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology