USAA Federal Savings Bank in Illinois vs the state
25.1%Denial rate+7.95 pts vs state
34.3%Decision denial rate+12.66 pts vs state
47.6%Origination rate-11.10 pts vs state
6.38%Median rate-0.38 pts vs state
-0.14Rate spread (pts)-0.52 pts vs state
$120kMedian applicant income
323Loans originated
170Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 624 | 319 | 21.0% | 6.50% | #92 |
| 2024 | 775 | 387 | 24.4% | 6.50% | #86 |
| 2025 | 678 | 323 | 25.1% | 6.38% | #105 |
What USAA Federal Savings Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 167 | 56 | 54 | 32.3% |
| St. Clair County | 53 | 30 | 7 | 13.2% |
| Lake County | 43 | 18 | 10 | 23.3% |
| Madison County | 40 | 22 | 6 | 15.0% |
| Will County | 35 | 21 | 7 | 20.0% |
| DuPage County | 30 | 12 | 9 | 30.0% |
| McHenry County | 17 | 10 | 1 | 5.9% |
| Peoria County | 17 | 13 | 3 | 17.6% |
| Kane County | 15 | 7 | 5 | 33.3% |
| McLean County | 15 | 8 | 5 | 33.3% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 678 applications in 2025, of which 323 were originated and 170 denied.
25.1% of all applications, or 34.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans USAA Federal Savings Bank originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology