USAA Federal Savings Bank in Pennsylvania vs the state
26.4%Denial rate+8.11 pts vs state
36.3%Decision denial rate+14.10 pts vs state
45.3%Origination rate-15.71 pts vs state
6.50%Median rate-0.13 pts vs state
-0.14Rate spread (pts)-0.38 pts vs state
$120kMedian applicant income
348Loans originated
203Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 675 | 359 | 18.8% | 6.50% | #107 |
| 2024 | 816 | 441 | 22.7% | 6.50% | #98 |
| 2025 | 769 | 348 | 26.4% | 6.50% | #117 |
What USAA Federal Savings Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 85 | 36 | 23 | 27.1% |
| Philadelphia County | 51 | 12 | 20 | 39.2% |
| Cumberland County | 35 | 12 | 14 | 40.0% |
| Montgomery County | 33 | 11 | 7 | 21.2% |
| York County | 31 | 16 | 9 | 29.0% |
| Berks County | 29 | 12 | 10 | 34.5% |
| Chester County | 29 | 10 | 6 | 20.7% |
| Bucks County | 25 | 12 | 4 | 16.0% |
| Dauphin County | 23 | 14 | 1 | 4.3% |
| Monroe County | 23 | 10 | 5 | 21.7% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 769 applications in 2025, of which 348 were originated and 203 denied.
26.4% of all applications, or 36.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans USAA Federal Savings Bank originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology