USAA Federal Savings Bank in Maryland vs the state
31.7%Denial rate+12.89 pts vs state
45.5%Decision denial rate+21.37 pts vs state
37.8%Origination rate-17.95 pts vs state
6.38%Median rate-0.25 pts vs state
-0.17Rate spread (pts)-0.42 pts vs state
$169kMedian applicant income
199Loans originated
167Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 478 | 197 | 23.9% | 6.25% | #83 |
| 2024 | 539 | 225 | 24.7% | 6.50% | #80 |
| 2025 | 527 | 199 | 31.7% | 6.38% | #84 |
What USAA Federal Savings Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 90 | 35 | 28 | 31.1% |
| Prince George's County | 74 | 18 | 25 | 33.8% |
| Montgomery County | 58 | 17 | 24 | 41.4% |
| Baltimore city | 51 | 20 | 15 | 29.4% |
| Baltimore County | 42 | 16 | 14 | 33.3% |
| Charles County | 32 | 10 | 9 | 28.1% |
| Howard County | 27 | 13 | 3 | 11.1% |
| Frederick County | 27 | 17 | 7 | 25.9% |
| Harford County | 18 | 10 | 4 | 22.2% |
| Calvert County | 16 | 8 | 5 | 31.3% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 527 applications in 2025, of which 199 were originated and 167 denied.
31.7% of all applications, or 45.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans USAA Federal Savings Bank originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology