USAA Federal Savings Bank in New York vs the state
33.7%Denial rate+13.94 pts vs state
45.9%Decision denial rate+21.89 pts vs state
38.6%Origination rate-21.00 pts vs state
6.63%Median rate0.00 pts vs state
0.09Rate spread (pts)-0.12 pts vs state
$124kMedian applicant income
252Loans originated
220Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 565 | 241 | 30.8% | 6.63% | #106 |
| 2024 | 709 | 283 | 33.6% | 6.63% | #98 |
| 2025 | 653 | 252 | 33.7% | 6.63% | #115 |
What USAA Federal Savings Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 55 | 23 | 15 | 27.3% |
| Erie County | 47 | 18 | 14 | 29.8% |
| Jefferson County | 39 | 24 | 7 | 17.9% |
| Suffolk County | 31 | 9 | 14 | 45.2% |
| Monroe County | 25 | 9 | 8 | 32.0% |
| Orange County | 24 | 8 | 12 | 50.0% |
| Nassau County | 22 | 6 | 11 | 50.0% |
| Albany County | 20 | 8 | 5 | 25.0% |
| Westchester County | 20 | 4 | 12 | 60.0% |
| Niagara County | 16 | 6 | 5 | 31.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 653 applications in 2025, of which 252 were originated and 220 denied.
33.7% of all applications, or 45.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans USAA Federal Savings Bank originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology