USAA Federal Savings Bank mortgage approval rate & lending review
USAA Federal Savings Bank decided 40,035 mortgage applications and funded 26,256 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions USAA Federal Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
USAA Federal Savings Bank at a glance
Approval is 18.3 points below the 84.7% 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 | 71% | 22,347 / 31,564 | 99% | $335K | 22,112 |
| Home improvement loans | 45% | 230 / 516 | 99% | $115K | 227 |
| Cash-out refinance | 50% | 1,928 / 3,893 | 99% | $265K | 1,904 |
| Refinance | 56% | 1,076 / 1,920 | 96% | $355K | 1,032 |
| Investment property purchase | 50% | 861 / 1,734 | 98% | $215K | 842 |
| Investment cash-out refinance | 28% | 61 / 215 | 97% | $155K | 59 |
| Investment refinance | 45% | 37 / 83 | 100% | $205K | 37 |
| Investment home improvement | 40% | 44 / 110 | 98% | $105K | 43 |
USAA Federal Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 66% | $325K | 4,733 | 3,063 |
| Florida | 64% | $345K | 4,074 | 2,589 |
| North Carolina | 69% | $315K | 2,427 | 1,661 |
| Georgia | 64% | $325K | 1,879 | 1,196 |
| California | 54% | $515K | 1,556 | 827 |
| Ohio | 70% | $265K | 1,449 | 1,007 |
| South Carolina | 64% | $295K | 1,411 | 896 |
| Pennsylvania | 70% | $295K | 1,376 | 940 |
| Arizona | 68% | $405K | 1,191 | 804 |
| Virginia | 64% | $415K | 1,188 | 751 |
| Illinois | 68% | $325K | 1,152 | 768 |
| Alabama | 70% | $305K | 1,061 | 740 |
| New York | 55% | $275K | 1,058 | 574 |
| Tennessee | 72% | $335K | 1,046 | 746 |
| Washington | 70% | $475K | 983 | 683 |
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 USAA Federal Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Mortgage lenders | 67% | 574 | 374 |
| Tarrant County, TX | Mortgage lenders | 71% | 309 | 217 |
| Cumberland County, NC | Mortgage lenders | 76% | 266 | 199 |
| Madison County, AL | Mortgage lenders | 81% | 217 | 174 |
| El Paso County, CO | Mortgage lenders | 69% | 249 | 169 |
| El Paso County, TX | Mortgage lenders | 67% | 243 | 163 |
| Hillsborough County, FL | Mortgage lenders | 69% | 231 | 160 |
| Bernalillo County, NM | Mortgage lenders | 83% | 192 | 159 |
| Brevard County, FL | Mortgage lenders | 72% | 222 | 157 |
| Wake County, NC | Mortgage lenders | 69% | 221 | 150 |
| Pima County, AZ | Mortgage lenders | 74% | 194 | 142 |
| Bell County, TX | Mortgage lenders | 74% | 191 | 141 |
The county markets where USAA Federal Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about USAA Federal Savings Bank
What is USAA Federal Savings Bank's mortgage approval rate?
USAA Federal Savings Bank approved 66.4% of the 40,035 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.3 points below the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan USAA Federal Savings Bank offers?
Borrowers accepted 99% of the loans USAA Federal Savings Bank 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 USAA Federal Savings Bank make?
The typical home purchase mortgage loan USAA Federal Savings Bank made was $335K; across all loan types its typical loan ran from $105K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does USAA Federal Savings Bank lend?
USAA Federal Savings Bank decided applications in 51 of the states Fat Boy Data covers, most of them in Texas, Florida and North Carolina.
Can I apply to USAA Federal Savings Bank directly?
Yes. USAA Federal Savings Bank is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show USAA Federal Savings Bank'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 USAA Federal Savings Bank treats applications, then get a rate quote from the lender.