USAA Federal Savings Bank in Missouri vs the state
21.6%Denial rate+6.49 pts vs state
30.2%Decision denial rate+11.52 pts vs state
49.2%Origination rate-13.46 pts vs state
6.25%Median rate-0.38 pts vs state
-0.17Rate spread (pts)-0.52 pts vs state
$109kMedian applicant income
340Loans originated
149Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 641 | 309 | 20.0% | 6.50% | #61 |
| 2024 | 699 | 352 | 23.3% | 6.50% | #70 |
| 2025 | 691 | 340 | 21.6% | 6.25% | #72 |
What USAA Federal Savings Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 75 | 34 | 19 | 25.3% |
| St. Louis County | 51 | 26 | 8 | 15.7% |
| Greene County | 41 | 21 | 7 | 17.1% |
| Pulaski County | 41 | 24 | 8 | 19.5% |
| St. Charles County | 40 | 20 | 10 | 25.0% |
| Clay County | 34 | 18 | 7 | 20.6% |
| St. Louis city | 33 | 19 | 5 | 15.2% |
| Jefferson County | 27 | 12 | 7 | 25.9% |
| Johnson County | 22 | 12 | 3 | 13.6% |
| Boone County | 22 | 6 | 6 | 27.3% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 691 applications in 2025, of which 340 were originated and 149 denied.
21.6% of all applications, or 30.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans USAA Federal Savings Bank originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology