UBS Bank USA in Pennsylvania vs the state
4.3%Denial rate-14.00 pts vs state
5.0%Decision denial rate-17.21 pts vs state
81.4%Origination rate+20.47 pts vs state
6.00%Median rate-0.63 pts vs state
-0.05Rate spread (pts)-0.29 pts vs state
$358kMedian applicant income
57Loans originated
3Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 46 | 3.3% | 6.38% | #443 |
| 2024 | 50 | 33 | 4.0% | 6.38% | #476 |
| 2025 | 70 | 57 | 4.3% | 6.00% | #432 |
What UBS Bank USA lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 14 | 12 | 1 | 7.1% |
| Philadelphia County | 14 | 12 | 0 | 0.0% |
| Chester County | 8 | 5 | 0 | 0.0% |
| Bucks County | 8 | 8 | 0 | 0.0% |
| Allegheny County | 7 | 3 | 1 | 14.3% |
| Delaware County | 5 | 5 | 0 | 0.0% |
| York County | 3 | 2 | 0 | 0.0% |
| Washington County | 3 | 2 | 1 | 33.3% |
| Pike County | 1 | 1 | 0 | 0.0% |
| Berks County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 70 applications in 2025, of which 57 were originated and 3 denied.
4.3% of all applications, or 5.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans UBS Bank USA originated in Pennsylvania in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology