USAA Federal Savings Bank in Virginia vs the state
25.7%Denial rate+9.74 pts vs state
37.8%Decision denial rate+17.58 pts vs state
41.8%Origination rate-17.74 pts vs state
6.25%Median rate-0.38 pts vs state
-0.19Rate spread (pts)-0.41 pts vs state
$151kMedian applicant income
488Loans originated
300Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,045 | 474 | 20.2% | 6.25% | #62 |
| 2024 | 1,196 | 546 | 21.9% | 6.50% | #58 |
| 2025 | 1,168 | 488 | 25.7% | 6.25% | #64 |
What USAA Federal Savings Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 110 | 32 | 29 | 26.4% |
| Prince William County | 59 | 19 | 16 | 27.1% |
| Virginia Beach city | 59 | 22 | 16 | 27.1% |
| Chesterfield County | 47 | 20 | 15 | 31.9% |
| Stafford County | 40 | 16 | 12 | 30.0% |
| Henrico County | 38 | 17 | 9 | 23.7% |
| Norfolk city | 37 | 14 | 9 | 24.3% |
| Loudoun County | 35 | 16 | 8 | 22.9% |
| Hampton city | 32 | 13 | 8 | 25.0% |
| Arlington County | 32 | 9 | 6 | 18.8% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 1,168 applications in 2025, of which 488 were originated and 300 denied.
25.7% of all applications, or 37.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans USAA Federal Savings Bank originated in Virginia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology