USAA Federal Savings Bank in California vs the state
32.9%Denial rate+15.48 pts vs state
48.2%Decision denial rate+25.77 pts vs state
34.5%Origination rate-21.67 pts vs state
6.25%Median rate-0.38 pts vs state
-0.18Rate spread (pts)-0.45 pts vs state
$154kMedian applicant income
318Loans originated
303Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 681 | 242 | 28.2% | 6.38% | #176 |
| 2024 | 1,013 | 364 | 28.4% | 6.50% | #156 |
| 2025 | 921 | 318 | 32.9% | 6.25% | #183 |
What USAA Federal Savings Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 120 | 36 | 50 | 41.7% |
| San Diego County | 92 | 20 | 33 | 35.9% |
| Riverside County | 79 | 24 | 33 | 41.8% |
| San Bernardino County | 57 | 20 | 20 | 35.1% |
| Sacramento County | 52 | 20 | 12 | 23.1% |
| Kern County | 40 | 19 | 9 | 22.5% |
| Orange County | 39 | 11 | 10 | 25.6% |
| Ventura County | 31 | 15 | 5 | 16.1% |
| Alameda County | 31 | 11 | 12 | 38.7% |
| Fresno County | 29 | 15 | 5 | 17.2% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 921 applications in 2025, of which 318 were originated and 303 denied.
32.9% of all applications, or 48.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans USAA Federal Savings Bank originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology