USAA Federal Savings Bank in Arizona vs the state
27.1%Denial rate+10.90 pts vs state
37.3%Decision denial rate+16.91 pts vs state
44.7%Origination rate-14.78 pts vs state
6.38%Median rate-0.13 pts vs state
-0.13Rate spread (pts)-0.35 pts vs state
$128kMedian applicant income
257Loans originated
156Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 547 | 257 | 23.2% | 6.38% | #95 |
| 2024 | 631 | 331 | 20.1% | 6.50% | #90 |
| 2025 | 575 | 257 | 27.1% | 6.38% | #104 |
What USAA Federal Savings Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 263 | 115 | 71 | 27.0% |
| Pima County | 91 | 31 | 25 | 27.5% |
| Pinal County | 55 | 32 | 11 | 20.0% |
| Yavapai County | 37 | 18 | 6 | 16.2% |
| Cochise County | 37 | 16 | 13 | 35.1% |
| Mohave County | 24 | 11 | 11 | 45.8% |
| Yuma County | 19 | 7 | 7 | 36.8% |
| Navajo County | 13 | 11 | 1 | 7.7% |
| Coconino County | 10 | 5 | 3 | 30.0% |
| Santa Cruz County | 9 | 5 | 3 | 33.3% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 575 applications in 2025, of which 257 were originated and 156 denied.
27.1% of all applications, or 37.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans USAA Federal Savings Bank originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology