USAA Federal Savings Bank in Washington vs the state
24.8%Denial rate+9.11 pts vs state
34.6%Decision denial rate+15.03 pts vs state
46.6%Origination rate-14.51 pts vs state
6.13%Median rate-0.50 pts vs state
-0.22Rate spread (pts)-0.41 pts vs state
$156kMedian applicant income
297Loans originated
158Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 499 | 253 | 17.8% | 6.38% | #92 |
| 2024 | 653 | 321 | 21.1% | 6.38% | #78 |
| 2025 | 638 | 297 | 24.8% | 6.13% | #85 |
What USAA Federal Savings Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pierce County | 104 | 40 | 23 | 22.1% |
| King County | 92 | 47 | 27 | 29.3% |
| Thurston County | 59 | 29 | 16 | 27.1% |
| Clark County | 47 | 25 | 9 | 19.1% |
| Spokane County | 47 | 19 | 10 | 21.3% |
| Kitsap County | 45 | 17 | 10 | 22.2% |
| Snohomish County | 38 | 18 | 11 | 28.9% |
| Whatcom County | 22 | 6 | 8 | 36.4% |
| Grays Harbor County | 21 | 12 | 4 | 19.0% |
| Island County | 19 | 9 | 5 | 26.3% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 638 applications in 2025, of which 297 were originated and 158 denied.
24.8% of all applications, or 34.6% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans USAA Federal Savings Bank originated in Washington in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings Bank's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology