USAA Federal Savings Bank in Texas vs the state
27.6%Denial rate+8.15 pts vs state
40.6%Decision denial rate+15.66 pts vs state
39.7%Origination rate-15.19 pts vs state
6.38%Median rate-0.13 pts vs state
-0.19Rate spread (pts)-0.38 pts vs state
$138kMedian applicant income
1,101Loans originated
765Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,843 | 1,318 | 19.3% | 6.25% | #67 |
| 2024 | 2,956 | 1,271 | 22.0% | 6.50% | #67 |
| 2025 | 2,774 | 1,101 | 27.6% | 6.38% | #69 |
What USAA Federal Savings Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 306 | 103 | 92 | 30.1% |
| Harris County | 254 | 97 | 65 | 25.6% |
| Tarrant County | 172 | 72 | 43 | 25.0% |
| Denton County | 116 | 42 | 27 | 23.3% |
| Montgomery County | 109 | 39 | 30 | 27.5% |
| El Paso County | 107 | 42 | 31 | 29.0% |
| Travis County | 91 | 32 | 37 | 40.7% |
| Bell County | 89 | 45 | 24 | 27.0% |
| Dallas County | 89 | 25 | 28 | 31.5% |
| Collin County | 87 | 39 | 16 | 18.4% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,774 applications in 2025, of which 1,101 were originated and 765 denied.
27.6% of all applications, or 40.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans USAA Federal Savings Bank originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology