USAA Federal Savings Bank in Georgia vs the state
26.0%Denial rate+6.82 pts vs state
37.0%Decision denial rate+11.93 pts vs state
43.9%Origination rate-10.15 pts vs state
6.25%Median rate-0.38 pts vs state
-0.22Rate spread (pts)-0.49 pts vs state
$119kMedian applicant income
562Loans originated
333Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,361 | 614 | 24.3% | 6.25% | #64 |
| 2024 | 1,451 | 661 | 23.9% | 6.50% | #60 |
| 2025 | 1,279 | 562 | 26.0% | 6.25% | #75 |
What USAA Federal Savings Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 97 | 34 | 29 | 29.9% |
| Fulton County | 77 | 28 | 24 | 31.2% |
| Houston County | 67 | 36 | 13 | 19.4% |
| Chatham County | 55 | 25 | 15 | 27.3% |
| Columbia County | 51 | 29 | 8 | 15.7% |
| DeKalb County | 50 | 18 | 13 | 26.0% |
| Henry County | 49 | 25 | 12 | 24.5% |
| Gwinnett County | 49 | 20 | 8 | 16.3% |
| Muscogee County | 45 | 23 | 10 | 22.2% |
| Lowndes County | 38 | 19 | 10 | 26.3% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,279 applications in 2025, of which 562 were originated and 333 denied.
26.0% of all applications, or 37.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans USAA Federal Savings Bank originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology