UBS Bank USA, National Association mortgage approval rate & lending review
UBS Bank USA, National Association decided 6,131 mortgage applications and funded 5,608 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions UBS Bank USA, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
UBS Bank USA, National Association at a glance
Approval is 6.4 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 3,848 / 4,089 | 100% | $965K | 3,831 |
| Cash-out refinance | 80% | 263 / 328 | 100% | $1.04M | 262 |
| Refinance | 84% | 309 / 367 | 100% | $1.02M | 308 |
| Investment property purchase | 93% | 1,083 / 1,164 | 100% | $805K | 1,078 |
| Investment cash-out refinance | 63% | 49 / 78 | 98% | $1.11M | 48 |
| Investment refinance | 78% | 82 / 105 | 99% | $1.06M | 81 |
UBS Bank USA, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 91% | $1.28M | 917 | 823 |
| Florida | 90% | $1.10M | 777 | 698 |
| New York | 87% | $1M | 639 | 553 |
| Texas | 92% | $1.02M | 449 | 407 |
| New Jersey | 92% | $975K | 289 | 267 |
| Colorado | 93% | $825K | 240 | 222 |
| Massachusetts | 94% | $1M | 236 | 220 |
| Washington | 94% | $1M | 213 | 201 |
| Arizona | 93% | $765K | 205 | 190 |
| North Carolina | 98% | $765K | 182 | 175 |
| Illinois | 93% | $865K | 175 | 161 |
| Tennessee | 97% | $905K | 157 | 152 |
| Ohio | 93% | $535K | 138 | 129 |
| South Carolina | 87% | $725K | 135 | 118 |
| Connecticut | 93% | $1.30M | 119 | 111 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where UBS Bank USA, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New York County, NY | Mortgage lenders | 91% | 133 | 118 |
| Westchester County, NY | Mortgage lenders | 95% | 97 | 91 |
| Western Connecticut Planning Region, CT | Mortgage lenders | 98% | 58 | 57 |
| Kings County, NY | Mortgage lenders | 86% | 58 | 50 |
| Collier County, FL | Investment property purchase | 100% | 43 | 43 |
| Suffolk County, NY | Investment property purchase | 92% | 36 | 33 |
| New York County, NY | Investment property purchase | 91% | 35 | 32 |
| Marin County, CA | Mortgage lenders | 95% | 22 | 21 |
The county markets where UBS Bank USA, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about UBS Bank USA, National Association
What is UBS Bank USA, National Association's mortgage approval rate?
UBS Bank USA, National Association approved 91.9% of the 6,131 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan UBS Bank USA, National Association offers?
Borrowers accepted 100% of the loans UBS Bank USA, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does UBS Bank USA, National Association make?
The typical home purchase mortgage loan UBS Bank USA, National Association made was $965K; across all loan types its typical loan ran from $805K to $1.11M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does UBS Bank USA, National Association lend?
UBS Bank USA, National Association decided applications in 50 of the states Fat Boy Data covers, most of them in California, Florida and New York.
Can I apply to UBS Bank USA, National Association directly?
Yes. UBS Bank USA, National Association is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show UBS Bank USA, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how UBS Bank USA, National Association treats applications, then get a rate quote from the lender.