UBS Bank USA in Texas vs the state
10.2%Denial rate-9.25 pts vs state
12.2%Decision denial rate-12.67 pts vs state
72.7%Origination rate+17.85 pts vs state
5.88%Median rate-0.63 pts vs state
-0.11Rate spread (pts)-0.30 pts vs state
$495kMedian applicant income
200Loans originated
28Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 235 | 170 | 5.5% | 5.88% | #366 |
| 2024 | 201 | 158 | 5.5% | 6.38% | #397 |
| 2025 | 275 | 200 | 10.2% | 5.88% | #354 |
What UBS Bank USA lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 60 | 44 | 7 | 11.7% |
| Dallas County | 57 | 42 | 7 | 12.3% |
| Harris County | 46 | 33 | 5 | 10.9% |
| Tarrant County | 12 | 10 | 0 | 0.0% |
| Denton County | 11 | 6 | 1 | 9.1% |
| Bexar County | 10 | 6 | 2 | 20.0% |
| Collin County | 9 | 8 | 0 | 0.0% |
| Montgomery County | 7 | 5 | 0 | 0.0% |
| Galveston County | 4 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 4 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 275 applications in 2025, of which 200 were originated and 28 denied.
10.2% of all applications, or 12.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans UBS Bank USA originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology