Usaa Federal Savings Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: C5654JQHZUHN0772B561

Tax ID: 74-2291652

2020 Data | 2019 Data | 2018 Data


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Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Product Mix
  • Loan Reason
  • Top Markets
  • Typical Rates
  • Loan Sizes
  • Lien Type
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees
  • Dwelling Types

    • Bank Data *NEW*

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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