USAA Federal Savings Bank in Florida vs the state
27.3%Denial rate+6.22 pts vs state
39.7%Decision denial rate+12.47 pts vs state
40.9%Origination rate-11.77 pts vs state
6.38%Median rate-0.25 pts vs state
-0.22Rate spread (pts)-0.49 pts vs state
$131kMedian applicant income
825Loans originated
550Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,227 | 1,035 | 20.8% | 6.25% | #78 |
| 2024 | 2,212 | 899 | 26.6% | 6.50% | #82 |
| 2025 | 2,016 | 825 | 27.3% | 6.38% | #93 |
What USAA Federal Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 142 | 47 | 40 | 28.2% |
| Brevard County | 130 | 50 | 34 | 26.2% |
| Orange County | 101 | 43 | 27 | 26.7% |
| Broward County | 88 | 34 | 29 | 33.0% |
| Pinellas County | 85 | 34 | 20 | 23.5% |
| Okaloosa County | 83 | 36 | 23 | 27.7% |
| Duval County | 82 | 28 | 30 | 36.6% |
| Palm Beach County | 78 | 32 | 28 | 35.9% |
| Lake County | 65 | 32 | 8 | 12.3% |
| Miami-Dade County | 65 | 15 | 27 | 41.5% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,016 applications in 2025, of which 825 were originated and 550 denied.
27.3% of all applications, or 39.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans USAA Federal Savings Bank originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology