Usaa Federal Savings Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: C5654JQHZUHN0772B561

Tax ID: 74-2291652

2020 Data | 2019 Data | 2018 Data


Overview

Usaa Federal Savings Bank is a large bank specializing in Home Purchase and Refi loans. Usaa Federal Savings Bank has an average proportion of conventional loans. Their top markets include Washington, Atlanta, Phoenix, San Antonio, and Virginia Beach among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Usaa Federal Savings Bank is typically an average fee lendor.


Originations

53,747

Origination Dollar Volume (All Markets)

$14,405,635,000

Employee count

16,882

Relative Rate

Usaa Federal Savings Bank's average 30 year fixed rate mortgage was 3.4%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of 0.04%.

Relative Fees

Usaa Federal Savings Bank's average total fees for a 30 year fixed rate mortgage are $5,319.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
VA 39,269 $11,028,135,000 $280,836 $5,369 3.31%
Conventional 14,478 $3,377,500,000 $233,285 $4,518 3.58%

For the 2020 period, Usaa Federal Savings Bank's most frequently originated loan type was VA, with 39,269 originations. Their 2nd most popular type is Conventional, with 14,478 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 26,497 $7,297,715,000 $275,417 $6,839 3.43%
Refi 20,481 $5,452,655,000 $266,230 $2,850 3.27%
Cash Out Refi 6,472 $1,613,470,000 $249,300 $5,374 3.53%
Home Improvement 161 $21,125,000 $131,211 $3,501 3.70%
Other 136 $20,670,000 $151,985 $3,749 3.81%

For the 2020, Usaa Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 26,497 originations. The 2nd most popular reason was Refi, with 20,481 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 48,210 $13,344,040,000 $276,790 $5,320 3.39%
15 Year 3,347 $633,175,000 $189,177 $3,652 3.23%
20 Year 1,742 $366,540,000 $210,413 $3,557 3.40%
10 Year 437 $59,645,000 $136,487 $3,197 3.26%
Other 11 $2,235,000 $203,182 $4,064 3.55%

For the 2020, Usaa Federal Savings Bank's most frequently cited loan length was 30 Year, with 48,210 originations. The 2nd most popular length was 15 Year, with 3,347 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 21,130 $5,426,980,000 $256,838
$1k-2k 12,050 $2,929,370,000 $243,101
$3k-4k 7,638 $2,094,910,000 $274,275
$2k-3k 6,153 $1,524,365,000 $247,743
$5k+ 5,283 $2,167,855,000 $410,345

$5,319 was Usaa Federal Savings Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 21,130 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 6,974 $1,548,800,000 $222,082 $4,732 3.40%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 1,543 $654,265,000 $424,021 $6,373 3.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 1,467 $378,675,000 $258,129 $4,643 3.42%
PHOENIX-MESA-CHANDLER, AZ 1,219 $343,875,000 $282,096 $5,367 3.43%
SAN ANTONIO-NEW BRAUNFELS, TX 1,054 $273,340,000 $259,336 $4,877 3.33%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 813 $226,325,000 $278,383 $5,299 3.30%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 851 $225,045,000 $264,448 $5,372 3.36%
DENVER-AURORA-LAKEWOOD, CO 562 $200,110,000 $356,068 $5,695 3.42%
DALLAS-PLANO-IRVING, TX 656 $197,650,000 $301,296 $5,520 3.36%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 746 $197,170,000 $264,303 $5,114 3.37%
BALTIMORE-COLUMBIA-TOWSON, MD 569 $188,595,000 $331,450 $5,793 3.36%
SEATTLE-BELLEVUE-KENT, WA 446 $186,140,000 $417,354 $6,627 3.37%
LAS VEGAS-HENDERSON-PARADISE, NV 607 $178,075,000 $293,369 $5,393 3.40%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 484 $167,300,000 $345,661 $6,042 3.37%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 593 $159,185,000 $268,440 $4,808 3.39%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 341 $150,495,000 $441,334 $6,208 3.35%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 490 $142,890,000 $291,612 $5,325 3.37%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 436 $140,390,000 $321,995 $6,261 3.38%
ORLANDO-KISSIMMEE-SANFORD, FL 484 $134,140,000 $277,149 $5,312 3.36%
TACOMA-LAKEWOOD, WA 386 $132,890,000 $344,275 $5,723 3.40%
CHICAGO-NAPERVILLE-EVANSTON, IL 472 $132,770,000 $281,292 $5,882 3.37%
LOS ANGELES-LONG BEACH-GLENDALE, CA 303 $132,245,000 $436,452 $6,532 3.39%
RALEIGH-CARY, NC 455 $126,005,000 $276,934 $4,837 3.39%
COLORADO SPRINGS, CO 415 $125,745,000 $303,000 $5,047 3.38%
JACKSONVILLE, FL 455 $123,235,000 $270,846 $5,113 3.38%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 388 $116,940,000 $301,392 $4,763 3.40%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 448 $115,780,000 $258,438 $4,929 3.34%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 390 $115,720,000 $296,718 $5,084 3.35%
FAYETTEVILLE, NC 584 $112,700,000 $192,979 $4,725 3.31%
KANSAS CITY, MO-KS 460 $109,760,000 $238,609 $4,161 3.42%
ST. LOUIS, MO-IL 493 $108,335,000 $219,746 $4,037 3.39%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 309 $107,415,000 $347,621 $4,619 3.34%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 233 $98,425,000 $422,425 $7,118 3.36%
OKLAHOMA CITY, OK 445 $97,485,000 $219,067 $4,420 3.39%
ALBUQUERQUE, NM 379 $93,045,000 $245,501 $4,771 3.36%
TUCSON, AZ 387 $92,075,000 $237,920 $4,776 3.44%
RICHMOND, VA 335 $91,795,000 $274,015 $4,672 3.36%
HUNTSVILLE, AL 306 $81,280,000 $265,621 $4,646 3.41%
CHARLESTON-NORTH CHARLESTON, SC 285 $78,155,000 $274,228 $4,901 3.42%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 184 $78,110,000 $424,511 $7,055 3.41%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 186 $77,470,000 $416,505 $8,408 3.37%
PENSACOLA-FERRY PASS-BRENT, FL 324 $76,260,000 $235,370 $5,091 3.38%
AUGUSTA-RICHMOND COUNTY, GA-SC 330 $74,430,000 $225,545 $4,728 3.37%
CINCINNATI, OH-KY-IN 313 $73,875,000 $236,022 $4,415 3.39%
BOISE CITY, ID 237 $71,625,000 $302,215 $5,377 3.42%
INDIANAPOLIS-CARMEL-ANDERSON, IN 303 $70,835,000 $233,779 $4,179 3.38%
KILLEEN-TEMPLE, TX 353 $68,915,000 $195,227 $4,461 3.32%
NEWARK, NJ-PA 193 $68,645,000 $355,674 $7,268 3.37%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 214 $67,990,000 $317,710 $5,994 3.35%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 205 $67,455,000 $329,049 $6,092 3.32%
NEW BRUNSWICK-LAKEWOOD, NJ 210 $67,270,000 $320,333 $6,998 3.36%
PROVIDENCE-WARWICK, RI-MA 215 $66,305,000 $308,395 $5,417 3.41%
OAKLAND-BERKELEY-LIVERMORE, CA 124 $64,580,000 $520,806 $8,309 3.40%
COLUMBIA, SC 296 $63,670,000 $215,101 $4,217 3.44%
BOSTON, MA 161 $63,365,000 $393,571 $6,564 3.40%
ANCHORAGE, AK 199 $63,345,000 $318,317 $5,425 3.27%
COLUMBUS, OH 256 $61,350,000 $239,648 $5,265 3.42%
PALM BAY-MELBOURNE-TITUSVILLE, FL 228 $61,160,000 $268,246 $5,077 3.37%
WARREN-TROY-FARMINGTON HILLS, MI 257 $59,715,000 $232,354 $4,529 3.36%
ANAHEIM-SANTA ANA-IRVINE, CA 110 $59,630,000 $542,091 $8,545 3.40%
MEMPHIS, TN-MS-AR 246 $59,000,000 $239,837 $5,305 3.39%
OLYMPIA-LACEY-TUMWATER, WA 178 $57,840,000 $324,944 $6,115 3.31%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 185 $57,815,000 $312,514 $6,516 3.38%
CAMDEN, NJ 236 $57,360,000 $243,051 $5,460 3.36%
CLARKSVILLE, TN-KY 256 $56,910,000 $222,305 $5,676 3.36%
DAYTON-KETTERING, OH 270 $56,170,000 $208,037 $5,219 3.41%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 233 $55,025,000 $236,159 $4,315 3.44%
NEW ORLEANS-METAIRIE, LA 208 $54,990,000 $264,375 $5,728 3.42%
KNOXVILLE, TN 219 $54,325,000 $248,059 $4,712 3.38%
OMAHA-COUNCIL BLUFFS, NE-IA 228 $53,100,000 $232,895 $4,850 3.36%
SAVANNAH, GA 228 $52,920,000 $232,105 $5,489 3.40%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 194 $52,330,000 $269,742 $5,561 3.35%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 194 $52,000,000 $268,041 $6,502 3.37%
SPOKANE-SPOKANE VALLEY, WA 178 $51,920,000 $291,685 $6,225 3.34%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 148 $49,740,000 $336,081 $6,285 3.32%
EL PASO, TX 258 $49,590,000 $192,209 $4,494 3.33%
PITTSBURGH, PA 220 $48,960,000 $222,545 $5,321 3.40%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 229 $47,305,000 $206,572 $4,213 3.40%
NASSAU COUNTY-SUFFOLK COUNTY, NY 118 $46,870,000 $397,203 $7,712 3.36%
WARNER ROBINS, GA 219 $46,175,000 $210,845 $4,194 3.38%
GREENVILLE-ANDERSON, SC 199 $45,425,000 $228,266 $4,794 3.41%
DURHAM-CHAPEL HILL, NC 158 $44,140,000 $279,367 $4,470 3.38%
NORTH PORT-SARASOTA-BRADENTON, FL 156 $44,080,000 $282,564 $5,155 3.38%
OGDEN-CLEARFIELD, UT 145 $43,245,000 $298,241 $5,332 3.34%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 170 $40,890,000 $240,529 $4,834 3.39%
BIRMINGHAM-HOOVER, AL 176 $40,370,000 $229,375 $4,074 3.39%
URBAN HONOLULU, HI 77 $39,745,000 $516,169 $10,020 3.34%
CLEVELAND-ELYRIA, OH 187 $39,695,000 $212,273 $4,594 3.42%
COLUMBUS, GA-AL 192 $39,630,000 $206,406 $4,809 3.37%
WORCESTER, MA-CT 125 $38,755,000 $310,040 $6,492 3.38%
MIAMI-MIAMI BEACH-KENDALL, FL 123 $38,375,000 $311,992 $6,072 3.38%
TULSA, OK 183 $38,175,000 $208,607 $4,257 3.39%
RENO, NV 111 $36,655,000 $330,225 $5,412 3.41%
ASHEVILLE, NC 138 $36,240,000 $262,609 $4,452 3.41%
JACKSONVILLE, NC 188 $36,170,000 $192,394 $4,908 3.34%
SALT LAKE CITY, UT 112 $35,840,000 $320,000 $4,994 3.42%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 159 $35,785,000 $225,063 $4,588 3.39%
WILMINGTON, DE-MD-NJ 128 $35,580,000 $277,969 $5,508 3.38%
MILWAUKEE-WAUKESHA, WI 142 $35,490,000 $249,930 $3,695 3.44%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 143 $33,845,000 $236,678 $4,315 3.44%
PHILADELPHIA, PA 134 $33,740,000 $251,791 $5,147 3.43%
VALLEJO, CA 79 $32,965,000 $417,278 $7,069 3.42%
COEUR D'ALENE, ID 94 $32,270,000 $343,298 $4,606 3.41%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 122 $31,940,000 $261,803 $5,685 3.33%
GREENSBORO-HIGH POINT, NC 133 $30,685,000 $230,714 $4,690 3.40%
CAPE CORAL-FORT MYERS, FL 116 $30,460,000 $262,586 $5,401 3.36%
MONTGOMERY, AL 138 $30,290,000 $219,493 $5,115 3.34%
BAKERSFIELD, CA 110 $29,910,000 $271,909 $6,136 3.37%
PORTLAND-SOUTH PORTLAND, ME 107 $29,595,000 $276,589 $4,350 3.37%
SPRINGFIELD, MA 116 $29,160,000 $251,379 $5,696 3.32%
CHARLOTTESVILLE, VA 89 $28,715,000 $322,640 $5,196 3.37%
WINSTON-SALEM, NC 130 $28,280,000 $217,538 $4,226 3.36%
MANCHESTER-NASHUA, NH 88 $28,240,000 $320,909 $5,467 3.40%
OXNARD-THOUSAND OAKS-VENTURA, CA 64 $27,930,000 $436,406 $5,729 3.42%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 94 $27,850,000 $296,277 $6,911 3.42%
PRESCOTT VALLEY-PRESCOTT, AZ 98 $27,700,000 $282,653 $4,671 3.39%
SALEM, OR 104 $27,620,000 $265,577 $5,688 3.51%
FORT COLLINS, CO 79 $27,195,000 $344,241 $5,313 3.40%
PANAMA CITY, FL 108 $27,090,000 $250,833 $5,322 3.35%
CHATTANOOGA, TN-GA 114 $26,420,000 $231,754 $4,563 3.40%
BEND, OR 82 $26,270,000 $320,366 $5,669 3.44%
BRIDGEPORT-STAMFORD-NORWALK, CT 66 $25,930,000 $392,879 $7,294 3.44%
WILMINGTON, NC 95 $25,195,000 $265,211 $4,994 3.42%
WICHITA, KS 132 $24,870,000 $188,409 $4,216 3.36%
SALISBURY, MD-DE 89 $24,835,000 $279,045 $5,584 3.46%
JACKSON, MS 101 $24,775,000 $245,297 $5,021 3.40%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 76 $24,770,000 $325,921 $6,798 3.38%
LAKELAND-WINTER HAVEN, FL 111 $24,655,000 $222,117 $4,671 3.36%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 39 $24,495,000 $628,077 $11,294 3.40%
HAGERSTOWN-MARTINSBURG, MD-WV 102 $24,150,000 $236,765 $5,210 3.38%
FRESNO, CA 86 $23,940,000 $278,372 $4,650 3.39%
GULFPORT-BILOXI, MS 117 $23,915,000 $204,402 $4,275 3.38%
BUFFALO-CHEEKTOWAGA, NY 117 $23,655,000 $202,179 $5,003 3.45%
BATON ROUGE, LA 93 $23,515,000 $252,849 $5,080 3.35%
HARRISBURG-CARLISLE, PA 99 $23,325,000 $235,606 $4,854 3.31%
SIERRA VISTA-DOUGLAS, AZ 101 $22,825,000 $225,990 $4,648 3.41%
BOULDER, CO 62 $22,770,000 $367,258 $5,452 3.45%
GREELEY, CO 63 $22,695,000 $360,238 $5,822 3.44%
PORT ST. LUCIE, FL 92 $22,480,000 $244,348 $5,372 3.36%
HILTON HEAD ISLAND-BLUFFTON, SC 80 $22,280,000 $278,500 $6,028 3.39%
CORPUS CHRISTI, TX 97 $22,255,000 $229,433 $5,250 3.45%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 84 $21,480,000 $255,714 $5,890 3.36%
ALBANY-SCHENECTADY-TROY, NY 91 $21,295,000 $234,011 $5,291 3.49%
KENNEWICK-RICHLAND, WA 65 $20,985,000 $322,846 $5,317 3.37%
DOVER, DE 85 $20,955,000 $246,529 $5,875 3.33%
VALDOSTA, GA 112 $20,920,000 $186,786 $5,090 3.42%
MADISON, WI 77 $20,635,000 $267,987 $4,567 3.40%
DETROIT-DEARBORN-LIVONIA, MI 112 $20,610,000 $184,018 $3,896 3.40%
LAS CRUCES, NM 88 $20,590,000 $233,977 $5,670 3.31%
MANHATTAN, KS 98 $20,190,000 $206,020 $5,048 3.39%
ROANOKE, VA 81 $20,105,000 $248,210 $4,626 3.41%
FAIRBANKS, AK 69 $20,025,000 $290,217 $6,281 3.37%
GRAND RAPIDS-KENTWOOD, MI 87 $19,955,000 $229,368 $4,946 3.34%
SANTA MARIA-SANTA BARBARA, CA 47 $19,885,000 $423,085 $6,977 3.41%
TALLAHASSEE, FL 83 $19,725,000 $237,651 $5,918 3.40%
SHREVEPORT-BOSSIER CITY, LA 89 $19,695,000 $221,292 $5,070 3.36%
NORWICH-NEW LONDON, CT 74 $19,680,000 $265,946 $5,761 3.32%
SPRINGFIELD, MO 105 $19,405,000 $184,810 $3,833 3.40%
ELIZABETHTOWN-FORT KNOX, KY 90 $19,340,000 $214,889 $4,800 3.32%
NEW HAVEN-MILFORD, CT 79 $19,245,000 $243,608 $5,398 3.43%
DES MOINES-WEST DES MOINES, IA 79 $18,825,000 $238,291 $4,869 3.32%
LEXINGTON-FAYETTE, KY 83 $18,805,000 $226,566 $4,353 3.39%
GARY, IN 80 $18,720,000 $234,000 $4,644 3.32%
OCALA, FL 95 $18,375,000 $193,421 $4,261 3.44%
STOCKTON, CA 54 $18,240,000 $337,778 $5,354 3.41%
WINCHESTER, VA-WV 56 $17,920,000 $320,000 $5,600 3.32%
CHEYENNE, WY 64 $17,780,000 $277,813 $5,965 3.40%
SAN LUIS OBISPO-PASO ROBLES, CA 41 $17,735,000 $432,561 $6,345 3.43%
GAINESVILLE, FL 71 $17,265,000 $243,169 $5,161 3.50%
YORK-HANOVER, PA 66 $17,130,000 $259,545 $6,155 3.27%
LAKE HAVASU CITY-KINGMAN, AZ 66 $17,100,000 $259,091 $5,235 3.38%
SALINAS, CA 33 $16,615,000 $503,485 $6,984 3.44%
BELLINGHAM, WA 47 $16,565,000 $352,447 $5,278 3.41%
SPARTANBURG, SC 74 $15,990,000 $216,081 $4,609 3.48%
SANTA ROSA-PETALUMA, CA 33 $15,665,000 $474,697 $8,163 3.50%
ROCHESTER, NY 78 $15,640,000 $200,513 $4,660 3.39%
ELGIN, IL 60 $15,440,000 $257,333 $4,465 3.33%
SANTA FE, NM 52 $15,430,000 $296,731 $5,524 3.40%
BILLINGS, MT 52 $15,370,000 $295,577 $5,912 3.26%
LAWTON, OK 85 $15,325,000 $180,294 $4,888 3.39%
BARNSTABLE TOWN, MA 43 $15,235,000 $354,302 $5,692 3.34%
HINESVILLE, GA 84 $15,100,000 $179,762 $4,895 3.48%
EUGENE-SPRINGFIELD, OR 49 $15,065,000 $307,449 $6,242 3.34%
CALIFORNIA-LEXINGTON PARK, MD 49 $15,035,000 $306,837 $5,097 3.34%
SYRACUSE, NY 72 $14,820,000 $205,833 $5,377 3.39%
SUMTER, SC 84 $14,810,000 $176,310 $4,446 3.45%
LANSING-EAST LANSING, MI 65 $14,375,000 $221,154 $4,555 3.33%
YUMA, AZ 61 $14,255,000 $233,689 $6,500 3.31%
AKRON, OH 65 $13,935,000 $214,385 $5,043 3.48%
LINCOLN, NE 63 $13,655,000 $216,746 $4,728 3.37%
COLLEGE STATION-BRYAN, TX 65 $13,525,000 $208,077 $4,856 3.39%
DAPHNE-FAIRHOPE-FOLEY, AL 57 $13,495,000 $236,754 $4,022 3.31%
LANCASTER, PA 56 $13,210,000 $235,893 $4,170 3.36%
HICKORY-LENOIR-MORGANTON, NC 63 $13,205,000 $209,603 $4,702 3.33%
YUBA CITY, CA 46 $13,130,000 $285,435 $4,641 3.32%
LYNCHBURG, VA 60 $13,040,000 $217,333 $4,021 3.40%
AUBURN-OPELIKA, AL 59 $12,985,000 $220,085 $4,627 3.36%
MODESTO, CA 45 $12,765,000 $283,667 $5,217 3.45%
PROVO-OREM, UT 44 $12,590,000 $286,136 $5,525 3.41%
MOBILE, AL 62 $12,450,000 $200,806 $4,401 3.46%
YAKIMA, WA 41 $12,345,000 $301,098 $5,285 3.34%
MEDFORD, OR 42 $12,130,000 $288,810 $4,884 3.43%
DULUTH, MN-WI 50 $12,070,000 $241,400 $4,051 3.33%
PUEBLO, CO 51 $11,945,000 $234,216 $3,869 3.39%
TOPEKA, KS 60 $11,910,000 $198,500 $4,030 3.43%
WACO, TX 53 $11,805,000 $222,736 $4,293 3.37%
MISSOULA, MT 32 $11,660,000 $364,375 $6,177 3.40%
NEW BERN, NC 57 $11,655,000 $204,474 $5,285 3.48%
BURLINGTON-SOUTH BURLINGTON, VT 36 $11,510,000 $319,722 $6,783 3.32%
SCRANTON--WILKES-BARRE, PA 58 $11,380,000 $196,207 $4,497 3.36%
MOUNT VERNON-ANACORTES, WA 32 $11,090,000 $346,563 $5,300 3.43%
AMARILLO, TX 44 $11,040,000 $250,909 $4,228 3.36%
NAPLES-MARCO ISLAND, FL 35 $11,025,000 $315,000 $6,419 3.45%
GOLDSBORO, NC 58 $10,950,000 $188,793 $4,569 3.28%
LAFAYETTE, LA 50 $10,880,000 $217,600 $5,104 3.31%
HOMOSASSA SPRINGS, FL 51 $10,865,000 $213,039 $4,711 3.36%
FLAGSTAFF, AZ 37 $10,805,000 $292,027 $4,273 3.41%
ABILENE, TX 54 $10,750,000 $199,074 $4,858 3.39%
TOLEDO, OH 56 $10,740,000 $191,786 $4,941 3.42%
GRAND JUNCTION, CO 36 $10,710,000 $297,500 $5,205 3.26%
PUNTA GORDA, FL 43 $10,585,000 $246,163 $4,545 3.27%
FORT WAYNE, IN 49 $10,555,000 $215,408 $3,989 3.39%
GREAT FALLS, MT 50 $10,510,000 $210,200 $5,714 3.26%
SANTA CRUZ-WATSONVILLE, CA 18 $10,380,000 $576,667 $8,003 3.49%
SAN ANGELO, TX 46 $10,290,000 $223,696 $5,162 3.40%
IDAHO FALLS, ID 40 $10,250,000 $256,250 $6,695 3.37%
GAINESVILLE, GA 43 $10,145,000 $235,930 $3,798 3.38%
ANN ARBOR, MI 42 $10,110,000 $240,714 $3,936 3.44%
GREEN BAY, WI 41 $9,905,000 $241,585 $3,839 3.38%
THE VILLAGES, FL 41 $9,655,000 $235,488 $4,141 3.33%
MACON-BIBB COUNTY, GA 52 $9,490,000 $182,500 $4,473 3.35%
HUNTINGTON-ASHLAND, WV-KY-OH 44 $9,470,000 $215,227 $5,080 3.43%
ATLANTIC CITY-HAMMONTON, NJ 46 $9,450,000 $205,435 $4,678 3.47%
WICHITA FALLS, TX 52 $9,340,000 $179,615 $4,996 3.44%
KINGSPORT-BRISTOL, TN-VA 47 $9,315,000 $198,191 $3,921 3.42%
CHICO, CA 30 $9,310,000 $310,333 $5,449 3.36%
DOTHAN, AL 46 $9,290,000 $201,957 $3,841 3.46%
ATHENS-CLARKE COUNTY, GA 44 $9,230,000 $209,773 $4,222 3.34%
BLOOMINGTON, IN 37 $8,845,000 $239,054 $3,929 3.42%
TRENTON-PRINCETON, NJ 32 $8,820,000 $275,625 $4,979 3.37%
LONGVIEW, TX 44 $8,800,000 $200,000 $4,506 3.37%
LUBBOCK, TX 44 $8,760,000 $199,091 $3,991 3.40%
MIDLAND, TX 28 $8,740,000 $312,143 $6,149 3.40%
RAPID CITY, SD 34 $8,690,000 $255,588 $4,665 3.31%
SOUTH BEND-MISHAWAKA, IN-MI 41 $8,675,000 $211,585 $3,716 3.56%
GRAND FORKS, ND-MN 36 $8,590,000 $238,611 $4,985 3.35%
JOHNSON CITY, TN 45 $8,585,000 $190,778 $3,334 3.32%
READING, PA 38 $8,510,000 $223,947 $5,526 3.33%
BROWNSVILLE-HARLINGEN, TX 41 $8,235,000 $200,854 $4,379 3.46%
GREENVILLE, NC 44 $8,070,000 $183,409 $4,256 3.40%
MCALLEN-EDINBURG-MISSION, TX 44 $8,040,000 $182,727 $4,085 3.32%
KALAMAZOO-PORTAGE, MI 35 $7,785,000 $222,429 $4,585 3.35%
FARGO, ND-MN 30 $7,780,000 $259,333 $5,801 3.31%
BEAUMONT-PORT ARTHUR, TX 39 $7,705,000 $197,564 $4,703 3.30%
BRUNSWICK, GA 30 $7,620,000 $254,000 $4,902 3.50%
STAUNTON, VA 35 $7,585,000 $216,714 $4,537 3.43%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 16 $7,580,000 $473,750 $4,537 3.37%
EAST STROUDSBURG, PA 34 $7,420,000 $218,235 $6,456 3.24%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 39 $7,415,000 $190,128 $3,555 3.41%
TUSCALOOSA, AL 36 $7,400,000 $205,556 $5,444 3.53%
WATERTOWN-FORT DRUM, NY 41 $7,275,000 $177,439 $4,843 3.47%
LAFAYETTE-WEST LAFAYETTE, IN 39 $7,265,000 $186,282 $3,539 3.48%
SIOUX FALLS, SD 29 $7,225,000 $249,138 $3,203 3.24%
TYLER, TX 28 $7,100,000 $253,571 $4,798 3.42%
PEORIA, IL 34 $7,020,000 $206,471 $3,994 3.39%
ROCHESTER, MN 33 $6,895,000 $208,939 $3,558 3.31%
BURLINGTON, NC 30 $6,790,000 $226,333 $3,661 3.45%
ST. GEORGE, UT 23 $6,785,000 $295,000 $5,138 3.28%
BLACKSBURG-CHRISTIANSBURG, VA 26 $6,750,000 $259,615 $5,264 3.30%
HATTIESBURG, MS 36 $6,730,000 $186,944 $4,174 3.27%
CASPER, WY 26 $6,680,000 $256,923 $5,654 3.38%
KAHULUI-WAILUKU-LAHAINA, HI 14 $6,600,000 $471,429 $7,033 3.33%
FORT SMITH, AR-OK 36 $6,520,000 $181,111 $4,185 3.27%
MONROE, MI 32 $6,510,000 $203,438 $5,051 3.44%
WENATCHEE, WA 17 $6,495,000 $382,059 $4,713 3.33%
CANTON-MASSILLON, OH 39 $6,445,000 $165,256 $4,366 3.32%
REDDING, CA 24 $6,410,000 $267,083 $4,094 3.52%
ERIE, PA 35 $6,195,000 $177,000 $5,345 3.34%
MORGANTOWN, WV 24 $6,130,000 $255,417 $5,532 3.29%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 39 $6,125,000 $157,051 $4,690 3.47%
BISMARCK, ND 23 $6,115,000 $265,870 $4,875 3.40%
BOWLING GREEN, KY 25 $5,985,000 $239,400 $6,349 3.50%
ST. CLOUD, MN 29 $5,965,000 $205,690 $3,764 3.42%
DECATUR, AL 27 $5,895,000 $218,333 $4,822 3.48%
PITTSFIELD, MA 22 $5,850,000 $265,909 $5,359 3.42%
UTICA-ROME, NY 33 $5,845,000 $177,121 $3,993 3.44%
HARRISONBURG, VA 21 $5,835,000 $277,857 $6,986 3.33%
ALBANY-LEBANON, OR 23 $5,805,000 $252,391 $4,507 3.48%
CHARLESTON, WV 28 $5,800,000 $207,143 $3,728 3.35%
SPRINGFIELD, IL 29 $5,765,000 $198,793 $4,329 3.31%
EAU CLAIRE, WI 27 $5,755,000 $213,148 $3,627 3.36%
LA CROSSE-ONALASKA, WI-MN 20 $5,640,000 $282,000 $3,888 3.40%
CARBONDALE-MARION, IL 33 $5,615,000 $170,152 $3,837 3.35%
OSHKOSH-NEENAH, WI 26 $5,610,000 $215,769 $3,561 3.40%
CLEVELAND, TN 23 $5,605,000 $243,696 $4,170 3.33%
SHERMAN-DENISON, TX 26 $5,570,000 $214,231 $4,820 3.26%
STATE COLLEGE, PA 19 $5,535,000 $291,316 $8,581 3.32%
BANGOR, ME 27 $5,535,000 $205,000 $4,127 3.37%
SEBASTIAN-VERO BEACH, FL 23 $5,365,000 $233,261 $4,661 3.42%
SAN RAFAEL, CA 9 $5,315,000 $590,556 $4,895 3.64%
ROCKFORD, IL 32 $5,250,000 $164,063 $3,502 3.43%
CHAMPAIGN-URBANA, IL 23 $5,235,000 $227,609 $3,515 3.28%
OCEAN CITY, NJ 19 $5,135,000 $270,263 $5,959 3.54%
VISALIA, CA 23 $5,135,000 $223,261 $4,268 3.30%
LAKE CHARLES, LA 23 $5,125,000 $222,826 $4,837 3.39%
LEBANON, PA 23 $5,115,000 $222,391 $5,126 3.38%
SPRINGFIELD, OH 29 $5,075,000 $175,000 $4,406 3.56%
GRANTS PASS, OR 16 $5,060,000 $316,250 $3,970 3.51%
ALEXANDRIA, LA 21 $5,055,000 $240,714 $4,367 3.41%
ROCKY MOUNT, NC 26 $5,020,000 $193,077 $3,780 3.26%
GETTYSBURG, PA 19 $4,895,000 $257,632 $4,762 3.28%
FLINT, MI 27 $4,885,000 $180,926 $3,561 3.34%
HANFORD-CORCORAN, CA 17 $4,795,000 $282,059 $4,454 3.26%
COLUMBIA, MO 23 $4,775,000 $207,609 $3,717 3.31%
ALBANY, GA 23 $4,775,000 $207,609 $4,732 3.45%
WALLA WALLA, WA 19 $4,765,000 $250,789 $4,491 3.40%
HOT SPRINGS, AR 29 $4,765,000 $164,310 $3,507 3.34%
MADERA, CA 17 $4,765,000 $280,294 $5,229 3.40%
NAPA, CA 12 $4,680,000 $390,000 $4,824 3.47%
FLORENCE, SC 22 $4,580,000 $208,182 $4,681 3.36%
APPLETON, WI 23 $4,575,000 $198,913 $4,017 3.27%
ST. JOSEPH, MO-KS 27 $4,445,000 $164,630 $4,130 3.50%
CORVALLIS, OR 15 $4,415,000 $294,333 $4,921 3.36%
SIOUX CITY, IA-NE-SD 19 $4,345,000 $228,684 $6,425 3.35%
JACKSON, TN 21 $4,325,000 $205,952 $4,599 3.30%
LONGVIEW, WA 13 $4,325,000 $332,692 $7,430 3.28%
LOGAN, UT-ID 15 $4,325,000 $288,333 $4,751 3.39%
LEWISTON, ID-WA 18 $4,310,000 $239,444 $6,483 3.33%
HOUMA-THIBODAUX, LA 21 $4,305,000 $205,000 $4,011 3.40%
ODESSA, TX 18 $4,300,000 $238,889 $2,606 3.53%
SHEBOYGAN, WI 16 $4,300,000 $268,750 $4,534 3.30%
MERCED, CA 16 $4,210,000 $263,125 $5,131 3.41%
CHAMBERSBURG-WAYNESBORO, PA 20 $4,190,000 $209,500 $3,637 3.35%
EVANSVILLE, IN-KY 23 $4,165,000 $181,087 $3,807 3.27%
BATTLE CREEK, MI 21 $4,135,000 $196,905 $3,884 3.43%
JEFFERSON CITY, MO 20 $4,130,000 $206,500 $4,110 3.45%
CAPE GIRARDEAU, MO-IL 16 $4,090,000 $255,625 $4,723 3.46%
MONROE, LA 20 $4,070,000 $203,500 $5,575 3.26%
JANESVILLE-BELOIT, WI 20 $3,970,000 $198,500 $3,775 3.59%
TERRE HAUTE, IN 21 $3,965,000 $188,810 $4,016 3.47%
FARMINGTON, NM 20 $3,960,000 $198,000 $5,103 3.29%
WAUSAU-WESTON, WI 21 $3,935,000 $187,381 $3,614 3.55%
NILES, MI 20 $3,920,000 $196,000 $3,255 3.46%
TWIN FALLS, ID 19 $3,895,000 $205,000 $3,688 3.43%
MANSFIELD, OH 24 $3,890,000 $162,083 $3,606 3.63%
RACINE, WI 20 $3,880,000 $194,000 $3,983 3.51%
SEBRING-AVON PARK, FL 20 $3,840,000 $192,000 $5,804 3.40%
WILLIAMSPORT, PA 17 $3,825,000 $225,000 $5,467 3.42%
LAWRENCE, KS 17 $3,785,000 $222,647 $3,719 3.39%
CEDAR RAPIDS, IA 19 $3,665,000 $192,895 $3,967 3.36%
CARSON CITY, NV 15 $3,535,000 $235,667 $5,051 3.24%
JONESBORO, AR 17 $3,525,000 $207,353 $3,952 3.45%
ANNISTON-OXFORD, AL 20 $3,490,000 $174,500 $3,738 3.58%
KINGSTON, NY 13 $3,475,000 $267,308 $9,565 3.57%
BECKLEY, WV 20 $3,200,000 $160,000 $3,558 3.46%
TEXARKANA, TX-AR 16 $3,180,000 $198,750 $3,101 3.21%
GLENS FALLS, NY 14 $3,170,000 $226,429 $5,252 3.36%
HAMMOND, LA 16 $3,130,000 $195,625 $4,737 3.54%
COLUMBUS, IN 16 $3,120,000 $195,000 $4,857 3.49%
MUSKEGON, MI 19 $3,085,000 $162,368 $2,891 3.49%
BLOOMSBURG-BERWICK, PA 13 $3,015,000 $231,923 $5,957 3.36%
JACKSON, MI 14 $2,950,000 $210,714 $4,311 3.38%
ENID, OK 17 $2,935,000 $172,647 $4,604 3.38%
KANKAKEE, IL 12 $2,900,000 $241,667 $3,415 3.43%
DECATUR, IL 16 $2,890,000 $180,625 $4,546 3.29%
LAREDO, TX 11 $2,885,000 $262,273 $3,594 3.34%
OWENSBORO, KY 14 $2,880,000 $205,714 $6,581 3.16%
FLORENCE-MUSCLE SHOALS, AL 14 $2,820,000 $201,429 $3,413 3.28%
MIDLAND, MI 15 $2,795,000 $186,333 $4,402 3.42%
VICTORIA, TX 12 $2,670,000 $222,500 $4,425 3.24%
WHEELING, WV-OH 14 $2,620,000 $187,143 $3,348 3.44%
PARKERSBURG-VIENNA, WV 13 $2,615,000 $201,154 $5,708 3.23%
EL CENTRO, CA 12 $2,570,000 $214,167 $3,192 3.53%
JOPLIN, MO 15 $2,565,000 $171,000 $2,908 3.43%
ELKHART-GOSHEN, IN 12 $2,540,000 $211,667 $3,214 3.43%
AMES, IA 11 $2,515,000 $228,636 $4,176 3.26%
POCATELLO, ID 12 $2,460,000 $205,000 $5,631 3.38%
LEWISTON-AUBURN, ME 11 $2,455,000 $223,182 $3,157 3.43%
BINGHAMTON, NY 16 $2,440,000 $152,500 $4,226 3.51%
ITHACA, NY 9 $2,395,000 $266,111 $7,691 3.46%
MORRISTOWN, TN 12 $2,330,000 $194,167 $5,523 3.46%
GADSDEN, AL 11 $2,285,000 $207,727 $6,310 3.44%
DALTON, GA 12 $2,270,000 $189,167 $5,273 3.55%
BLOOMINGTON, IL 10 $2,130,000 $213,000 $4,407 3.41%
ROME, GA 10 $2,060,000 $206,000 $5,230 3.50%
LIMA, OH 12 $2,030,000 $169,167 $4,628 3.46%
VINELAND-BRIDGETON, NJ 10 $1,920,000 $192,000 $5,080 3.59%
MANKATO, MN 8 $1,890,000 $236,250 $7,537 3.25%
CUMBERLAND, MD-WV 12 $1,760,000 $146,667 $5,244 3.29%
DUBUQUE, IA 8 $1,670,000 $208,750 $2,577 3.50%
BAY CITY, MI 12 $1,620,000 $135,000 $3,196 3.26%
ALTOONA, PA 11 $1,605,000 $145,909 $4,040 3.32%
KOKOMO, IN 9 $1,575,000 $175,000 $4,385 3.22%
FOND DU LAC, WI 10 $1,560,000 $156,000 $3,413 3.34%
JOHNSTOWN, PA 9 $1,525,000 $169,444 $5,184 3.26%
MUNCIE, IN 9 $1,425,000 $158,333 $3,171 3.24%
SAGINAW, MI 8 $1,350,000 $168,750 $4,559 3.14%
WEIRTON-STEUBENVILLE, WV-OH 11 $1,345,000 $122,273 $2,726 3.52%
PINE BLUFF, AR 9 $1,155,000 $128,333 $1,482 3.40%
MICHIGAN CITY-LA PORTE, IN 6 $1,110,000 $185,000 $4,372 3.58%
IOWA CITY, IA 6 $1,100,000 $183,333 $2,383 3.73%
ELMIRA, NY 8 $1,050,000 $131,250 $2,470 3.52%
WATERLOO-CEDAR FALLS, IA 5 $695,000 $139,000 $2,065 3.50%
GRAND ISLAND, NE 3 $515,000 $171,667 $4,901 3.29%
DANVILLE, IL 2 $320,000 $160,000 $4,305 3.13%

Usaa Federal Savings Bank's top markets include Washington, Atlanta, Phoenix, San Antonio, and Virginia Beach among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 40,129 $10,856,645,000 $270,544
2.5-3% 11,195 $3,002,545,000 $268,204
4-5% 2,277 $524,625,000 $230,402
5-6% 139 $20,355,000 $146,439
<2.5% 7 $1,465,000 $209,286

During 2020, Usaa Federal Savings Bank's average interest rate was 3.40%, while their most frequently originated rate bucket was 3-4%, with 40,129 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 27,647 $7,828,465,000 $283,158 $5,335 3.36%
$100k-200k 15,372 $2,402,740,000 $156,306 $3,605 3.40%
$400k-600k 6,592 $3,090,850,000 $468,879 $7,779 3.36%
$100,000 or less 2,967 $230,945,000 $77,838 $2,415 3.50%
$600k-1MM 1,093 $762,025,000 $697,187 $10,936 3.40%
$1MM+ 76 $90,610,000 $1,192,237 $20,423 3.38%

2020 saw Usaa Federal Savings Bank place emphasis on $200k-400k loans with 27,647 originations, totaling $7,828,465,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 10,478 $3,090,020,000 $294,906 $6,795 3.45%
$50k-75k 8,673 $1,771,185,000 $204,218 $5,492 3.45%
$75k-100k 8,428 $2,103,770,000 $249,617 $6,378 3.43%
$150k-250k 5,666 $2,013,500,000 $355,365 $7,215 3.47%
$50k or less 3,336 $491,760,000 $147,410 $4,286 3.47%
$250k+ 1,282 $569,680,000 $444,368 $8,093 3.48%

Usaa Federal Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 10,478 originations. The second most popular income band? $50k-75k, with 8,673 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 8,694 $2,194,410,000 $252,405 $5,736 3.43%
30-36% 7,000 $1,850,030,000 $264,290 $6,181 3.46%
50-60% 3,581 $1,132,115,000 $316,145 $8,335 3.41%
<20% 3,240 $697,640,000 $215,321 $4,805 3.38%
42% 1,226 $329,500,000 $268,760 $6,472 3.51%
39% 1,218 $320,140,000 $262,841 $6,055 3.49%
36% 1,207 $321,505,000 $266,367 $6,504 3.49%
37% 1,198 $315,570,000 $263,414 $6,110 3.48%
38% 1,184 $314,550,000 $265,667 $6,011 3.49%
41% 1,164 $311,230,000 $267,380 $6,423 3.49%
44% 1,152 $307,840,000 $267,222 $6,181 3.51%
40% 1,150 $301,260,000 $261,965 $6,324 3.50%
43% 1,099 $282,545,000 $257,093 $6,279 3.51%
45% 876 $239,100,000 $272,945 $6,550 3.46%
47% 874 $239,540,000 $274,073 $6,530 3.48%
46% 849 $235,715,000 $277,638 $6,667 3.47%
48% 817 $233,675,000 $286,016 $6,794 3.46%
49% 787 $221,225,000 $281,099 $6,907 3.48%
>60% 620 $209,310,000 $337,597 $8,205 3.43%

Usaa Federal Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 8,694 originations. The next most common DTI ratio? 30-36%, with 7,000 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 40,963 $10,892,815,000 $265,918 $5,159 3.38%
Black 5,728 $1,533,010,000 $267,634 $4,931 3.39%
Not provided 4,604 $1,279,750,000 $277,965 $5,146 3.39%
Asian 990 $302,980,000 $306,040 $5,703 3.37%
American Indian 926 $233,450,000 $252,106 $5,190 3.36%
Filipino 160 $50,110,000 $313,188 $5,061 3.29%
Native Hawaiian 121 $36,185,000 $299,050 $5,666 3.33%
Korean 49 $15,755,000 $321,531 $6,242 3.23%
Other Asian 43 $11,385,000 $264,767 $4,518 3.43%
Vietnamese 33 $9,715,000 $294,394 $4,213 3.32%
Guamanian 21 $7,415,000 $353,095 $6,644 3.17%
Japanese 20 $7,320,000 $366,000 $5,459 3.28%
Asian Indian 24 $7,100,000 $295,833 $5,473 3.26%
Other Pacific Islander 23 $6,225,000 $270,652 $4,620 3.28%
Chinese 22 $5,980,000 $271,818 $5,087 3.30%
Samoan 8 $3,080,000 $385,000 $8,271 3.41%
7 $1,925,000 $275,000 $5,193 3.23%
Native Hawiian 5 $1,435,000 $287,000 $7,408 3.15%

Approval Rates

Total approvals of all applications
83.85%

Usaa Federal Savings Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
55.26%

Usaa Federal Savings Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
0.0 2 $520,000 $260,000
NA 53,745 $14,405,115,000 $268,027

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Site-Built 53,747 $14,405,635,000 $268,027

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,327 $196,555,000 $148,120 $3,359 3.35%
40-60% 3,633 $739,085,000 $203,437 $3,876 3.37%
60-80% 9,014 $2,257,120,000 $250,402 $4,656 3.48%
80-100% 24,901 $6,909,945,000 $277,497 $5,182 3.42%
Over 100% 5,121 $1,581,715,000 $308,868 $11,938 3.37%
Under 20% 189 $22,535,000 $119,233 $3,104 3.39%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
USAA Federal Savings Bank 10750 Mcdermott Freeway San Antonio, TX 78288 Full Service Cyber Office $86,193,240

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $3,852,610
Net interest income $3,665,935
Total noninterest income $2,344,728
Gross Fiduciary activities income $29,667
Service charges on deposit accounts $188,069
Trading account gains and fees $0
Additional Noninterest Income $2,126,992
Pre-tax net operating income $-603,755
Securities gains (or losses, -) $213,214
Income before extraordinary items $-323,862
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $-323,862
Minority interest net income $0
Net income $-323,862
Sale, conversion, retirement of capital stock, net $0
Net operating income $-500,829

Bank Expenses

Item Value (in 000's)
Total interest expense $186,675
Provision for credit losses $931,209
Total noninterest expense $5,683,209
Salaries and employee benefits $2,104,269
Premises and equipment expense $50,065
Additional noninterest expense $3,528,875
Applicable income taxes $-66,679
Net charge-offs $554,623
Cash dividends $21,344

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 5.0%
Real Estate loans 40.0%
Construction & Land Development loans 2.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 40.0%
HELOC loans 1.0%
All other family 58.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 1.1%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $94,445,092
Deposits held in domestic offices $94,445,092
Deposits by Individuals, partnerships, and corporations $94,445,092
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $0
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $13,018,502
Demand deposits $2,656,370
Nontransaction accounts $81,426,590
Money market deposit accounts (MMDAs) $76,721,759
Other savings deposits (excluding MMDAs) $0
Total time deposits $4,704,831
Total time and savings deposits $91,788,722
Noninterest-bearing deposits $3,342,850
Interest-bearing deposits $91,102,243
Retail deposits $85,483,336
IRAs and Keogh plan accounts $678,202
Brokered deposits $9,881,982
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $108,949,670
Cash & Balances due from depository institutions $10,890,101
Interest-bearing balances $7,594,412
Total securities $56,293,057
Federal funds sold & reverse repurchase $0
Net loans and leases $40,399,480
Loan and leases loss allowance $1,163,317
Trading account assets $0
Bank premises and fixed assets $17,386
Other real estate owned $1,273
Goodwill and other intangibles $386,315
All other assets $962,058

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $108,949,670
Total Liabilities $99,904,765
Total deposits $94,445,092
Interest-bearing deposits $91,102,243
Deposits held in domestic offices $94,445,092
% insured (estimated) $93
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $1,943,407
Subordinated debt $0
All other liabilities $3,516,266

Issued Loan Types

Type Value (in 000's)
Net loans and leases $40,399,480
Loan and leases loss allowance $1,163,317
Total loans and leases (domestic) $41,562,797
All real estate loans $5,251,398
Real estate loans in domestic offices $5,251,398
Construction and development loans $6,460
Residential 1-4 family construction $0
Other construction, all land development and other land $6,460
Loans secured by nonfarm nonresidential properties $0
Nonfarm nonresidential secured by owner-occupied properties $0
Commercial real estate & other non-farm, non-residential $0
Multifamily residential real estate $0
1-4 family residential loans $5,244,938
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $0
To non-U.S. addressees $0
Loans to individuals $36,299,662
Credit card loans $15,832,111
Related Plans $0
Consumer Auto Loans $14,878,242
Other loans to individuals $5,589,309
All other loans & leases $11,737
Loans to foreign governments and official institutions $0
Other loans $11,737
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $1,158
Restructured Loans & leases $287,974
Non 1-4 family restructured loans & leases $79,686
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan