USAA Federal Savings Bank in North Carolina vs the state
25.6%Denial rate+7.54 pts vs state
35.3%Decision denial rate+12.49 pts vs state
46.5%Origination rate-11.33 pts vs state
6.38%Median rate-0.13 pts vs state
-0.19Rate spread (pts)-0.28 pts vs state
$120kMedian applicant income
681Loans originated
375Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,495 | 759 | 18.0% | 6.25% | #59 |
| 2024 | 1,595 | 791 | 22.1% | 6.50% | #54 |
| 2025 | 1,465 | 681 | 25.6% | 6.38% | #64 |
What USAA Federal Savings Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 170 | 72 | 42 | 24.7% |
| Wake County | 129 | 63 | 34 | 26.4% |
| Mecklenburg County | 108 | 50 | 24 | 22.2% |
| Onslow County | 59 | 30 | 12 | 20.3% |
| Harnett County | 57 | 27 | 21 | 36.8% |
| Guilford County | 56 | 29 | 15 | 26.8% |
| Forsyth County | 43 | 25 | 10 | 23.3% |
| Buncombe County | 42 | 14 | 13 | 31.0% |
| Durham County | 40 | 19 | 11 | 27.5% |
| Moore County | 36 | 13 | 12 | 33.3% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,465 applications in 2025, of which 681 were originated and 375 denied.
25.6% of all applications, or 35.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans USAA Federal Savings Bank originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology