USAA Federal Savings Bank in Ohio vs the state
25.1%Denial rate+7.43 pts vs state
34.3%Decision denial rate+12.42 pts vs state
47.5%Origination rate-12.41 pts vs state
6.25%Median rate-0.63 pts vs state
-0.19Rate spread (pts)-0.58 pts vs state
$113kMedian applicant income
397Loans originated
210Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 800 | 412 | 19.1% | 6.50% | #87 |
| 2024 | 907 | 462 | 22.5% | 6.50% | #84 |
| 2025 | 836 | 397 | 25.1% | 6.25% | #100 |
What USAA Federal Savings Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 81 | 36 | 14 | 17.3% |
| Montgomery County | 77 | 38 | 19 | 24.7% |
| Greene County | 61 | 35 | 9 | 14.8% |
| Cuyahoga County | 57 | 26 | 19 | 33.3% |
| Hamilton County | 49 | 22 | 11 | 22.4% |
| Warren County | 37 | 17 | 13 | 35.1% |
| Summit County | 30 | 16 | 2 | 6.7% |
| Lucas County | 22 | 9 | 5 | 22.7% |
| Stark County | 20 | 9 | 6 | 30.0% |
| Butler County | 20 | 9 | 4 | 20.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 836 applications in 2025, of which 397 were originated and 210 denied.
25.1% of all applications, or 34.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans USAA Federal Savings Bank originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology