UBS Bank USA in Tennessee vs the state
3.6%Denial rate-13.57 pts vs state
4.4%Decision denial rate-17.24 pts vs state
76.8%Origination rate+18.71 pts vs state
6.00%Median rate-0.62 pts vs state
-0.14Rate spread (pts)-0.37 pts vs state
$404kMedian applicant income
86Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 65 | 3.7% | 6.00% | #321 |
| 2024 | 93 | 68 | 2.2% | 6.38% | #321 |
| 2025 | 112 | 86 | 3.6% | 6.00% | #298 |
What UBS Bank USA lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 37 | 30 | 1 | 2.7% |
| Williamson County | 20 | 18 | 0 | 0.0% |
| Hamilton County | 16 | 12 | 1 | 6.3% |
| Knox County | 11 | 7 | 0 | 0.0% |
| Loudon County | 6 | 4 | 0 | 0.0% |
| Blount County | 4 | 3 | 0 | 0.0% |
| Rutherford County | 2 | 2 | 0 | 0.0% |
| Sullivan County | 2 | 0 | 0 | 0.0% |
| Carter County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 2 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 112 applications in 2025, of which 86 were originated and 4 denied.
3.6% of all applications, or 4.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans UBS Bank USA originated in Tennessee in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are UBS Bank USA's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology