USAA Federal Savings Bank Mortgage Lending & HMDA Data, 2005

In 2005, USAA Federal Savings Bank of San Antonio, TX reported 98,532 mortgage applications totaling $13.1 billion, up 74% from 2004. The average application was for $133,382, and applicants reported an average income of $75,643. 75% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Antonio, TX (3,214), Phoenix-Mesa-Scottsdale, AZ (3,082) and Virginia Beach-Norfolk-Newport News, VA-NC (2,916) (applications in parentheses).

Mortgage Company & Address USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 98,532
Total Mortgage Loan Application Amount $13,142,429,000
Average Mortgage Loan Application Amount $133,382
Highest Mortgage Loan Application Amount $1,600,000
Average Applicant Income $75,643
Highest Applicant Income $1,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records USAA Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for USAA Federal Savings Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,908 $ 423,478,000 $ 145,625 $ 79,000
Bexar, Texas 2,642 $ 259,214,000 $ 98,112 $ 69,000
Harris, Texas 1,225 $ 135,204,000 $ 110,370 $ 88,000
Fairfax, Virginia 1,101 $ 215,953,000 $ 196,142 $ 112,000
El Paso, Colorado 1,043 $ 129,044,000 $ 123,723 $ 77,000
Hillsborough, Florida 1,032 $ 139,733,000 $ 135,400 $ 75,000
Clark, Nevada 906 $ 148,185,000 $ 163,559 $ 84,000
San Diego, California 873 $ 180,553,000 $ 206,819 $ 96,000
Pima, Arizona 785 $ 103,517,000 $ 131,868 $ 70,000
Virginia Beach, Virginia 769 $ 104,394,000 $ 135,752 $ 76,000
Tarrant, Texas 757 $ 78,742,000 $ 104,018 $ 81,000
Bell, Texas 728 $ 71,749,000 $ 98,556 $ 65,000
Dallas, Texas 685 $ 78,518,000 $ 114,624 $ 73,000
Pierce, Washington 682 $ 101,201,000 $ 148,388 $ 79,000
Los Angeles, California 669 $ 142,485,000 $ 212,982 $ 98,000
Duval, Florida 666 $ 82,273,000 $ 123,533 $ 65,000
King, Washington 663 $ 113,143,000 $ 170,653 $ 95,000
Broward, Florida 644 $ 110,034,000 $ 170,860 $ 89,000
Bernalillo, New Mexico 644 $ 83,353,000 $ 129,430 $ 78,000
Prince William, Virginia 611 $ 116,910,000 $ 191,342 $ 96,000
Travis, Texas 596 $ 76,395,000 $ 128,179 $ 81,000
Anne Arundel, Maryland 593 $ 104,197,000 $ 175,711 $ 81,000
El Paso, Texas 587 $ 60,548,000 $ 103,148 $ 67,000
Cumberland, North Carolina 585 $ 59,624,000 $ 101,921 $ 63,000
Brevard, Florida 554 $ 79,125,000 $ 142,824 $ 83,000
Okaloosa, Florida 522 $ 70,827,000 $ 135,683 $ 73,000
Honolulu, Hawaii 522 $ 109,540,000 $ 209,846 $ 96,000
Prince George's, Maryland 513 $ 80,013,000 $ 155,970 $ 85,000
Riverside, California 506 $ 92,003,000 $ 181,824 $ 86,000
Miami-Dade, Florida 506 $ 82,711,000 $ 163,460 $ 81,000
Orange, Florida 505 $ 66,587,000 $ 131,855 $ 69,000
Burlington, New Jersey 496 $ 72,367,000 $ 145,901 $ 78,000
Cook, Illinois 486 $ 78,987,000 $ 162,524 $ 85,000
Montgomery, Tennessee 466 $ 48,209,000 $ 103,452 $ 62,000
Escambia, Florida 449 $ 50,761,000 $ 113,053 $ 64,000
Pinellas, Florida 446 $ 58,576,000 $ 131,336 $ 72,000
Santa Rosa, Florida 446 $ 56,771,000 $ 127,289 $ 67,000
Montgomery, Maryland 444 $ 81,925,000 $ 184,515 $ 97,000
Wake, North Carolina 439 $ 54,928,000 $ 125,120 $ 66,000
Chesapeake, Virginia 437 $ 67,394,000 $ 154,219 $ 81,000
Collin, Texas 432 $ 53,112,000 $ 122,944 $ 88,000
Oklahoma, Oklahoma 431 $ 42,952,000 $ 99,656 $ 63,000
Palm Beach, Florida 430 $ 69,426,000 $ 161,455 $ 81,000
Cobb, Georgia 426 $ 54,345,000 $ 127,570 $ 84,000
Stafford, Virginia 401 $ 72,512,000 $ 180,827 $ 97,000
San Bernardino, California 392 $ 60,304,000 $ 153,836 $ 80,000
Fulton, Georgia 341 $ 48,127,000 $ 141,134 $ 80,000
Loudoun, Virginia 336 $ 70,600,000 $ 210,119 $ 115,000
Mecklenburg, North Carolina 334 $ 41,268,000 $ 123,556 $ 80,000
Denton, Texas 330 $ 42,633,000 $ 129,190 $ 93,000
Richland, South Carolina 329 $ 35,204,000 $ 107,003 $ 60,000
Newport News, Virginia 328 $ 38,159,000 $ 116,338 $ 67,000
Anchorage, Alaska 316 $ 49,119,000 $ 155,439 $ 72,000
Norfolk, Virginia 309 $ 40,917,000 $ 132,417 $ 68,000
Kitsap, Washington 309 $ 48,199,000 $ 155,983 $ 71,000
Shelby, Tennessee 307 $ 36,393,000 $ 118,543 $ 82,000
Thurston, Washington 305 $ 41,693,000 $ 136,698 $ 72,000
Sacramento, California 303 $ 52,201,000 $ 172,280 $ 86,000
Houston, Georgia 301 $ 32,367,000 $ 107,531 $ 64,000
Cochise, Arizona 298 $ 36,240,000 $ 121,610 $ 83,000
St. Clair, Illinois 298 $ 35,775,000 $ 120,050 $ 85,000
Williamson, Texas 296 $ 34,106,000 $ 115,222 $ 81,000
Charles, Maryland 295 $ 49,596,000 $ 168,122 $ 88,000
Onslow, North Carolina 292 $ 31,683,000 $ 108,503 $ 64,000
Orange, California 285 $ 59,935,000 $ 210,298 $ 110,000
DeKalb, Georgia 285 $ 36,855,000 $ 129,315 $ 83,000
Gwinnett, Georgia 283 $ 31,363,000 $ 110,823 $ 75,000
Nueces, Texas 279 $ 28,389,000 $ 101,752 $ 72,000
Spotsylvania, Virginia 277 $ 47,667,000 $ 172,083 $ 87,000
Seminole, Florida 274 $ 38,508,000 $ 140,540 $ 78,000
Chesterfield, Virginia 271 $ 38,500,000 $ 142,066 $ 86,000
Madison, Alabama 270 $ 32,365,000 $ 119,870 $ 78,000
District of Columbia, District Of Columbia 268 $ 52,963,000 $ 197,623 $ 99,000
Montgomery, Ohio 265 $ 28,356,000 $ 107,003 $ 66,000
Snohomish, Washington 265 $ 42,753,000 $ 161,332 $ 82,000
Middlesex, Massachusetts 262 $ 55,937,000 $ 213,500 $ 104,000
Montgomery, Pennsylvania 262 $ 37,982,000 $ 144,969 $ 90,000
Pasco, Florida 259 $ 31,925,000 $ 123,262 $ 66,000
Clay, Florida 257 $ 32,066,000 $ 124,770 $ 62,000
Arapahoe, Colorado 256 $ 33,175,000 $ 129,589 $ 89,000
Charleston, South Carolina 254 $ 33,874,000 $ 133,362 $ 76,000
Suffolk, New York 253 $ 46,087,000 $ 182,162 $ 110,000
Columbia, Georgia 252 $ 31,335,000 $ 124,345 $ 75,000
Baltimore, Maryland 252 $ 33,920,000 $ 134,603 $ 82,000
St. Louis, Missouri 251 $ 28,656,000 $ 114,167 $ 81,000
Hampton, Virginia 248 $ 27,799,000 $ 112,092 $ 62,000
Baltimore City, Maryland 247 $ 27,632,000 $ 111,870 $ 77,000
Pulaski, Arkansas 245 $ 26,431,000 $ 107,881 $ 77,000
Lee, Florida 245 $ 41,446,000 $ 169,167 $ 96,000
Bay, Florida 244 $ 32,938,000 $ 134,991 $ 71,000
Douglas, Colorado 237 $ 32,360,000 $ 136,540 $ 97,000
Multnomah, Oregon 237 $ 33,102,000 $ 139,670 $ 68,000
Montgomery, Texas 236 $ 27,819,000 $ 117,877 $ 91,000
Volusia, Florida 234 $ 28,852,000 $ 123,299 $ 73,000
Denver, Colorado 229 $ 34,893,000 $ 152,371 $ 71,000
Spokane, Washington 227 $ 26,351,000 $ 116,083 $ 78,000
Cleveland, Oklahoma 224 $ 21,295,000 $ 95,066 $ 59,000
Hartford, Connecticut 223 $ 31,091,000 $ 139,421 $ 88,000
Camden, New Jersey 216 $ 29,962,000 $ 138,712 $ 79,000
Philadelphia, Pennsylvania 216 $ 27,018,000 $ 125,083 $ 64,000
Sarpy, Nebraska 213 $ 24,651,000 $ 115,732 $ 68,000
Chatham, Georgia 210 $ 24,173,000 $ 115,109 $ 65,000
Monmouth, New Jersey 209 $ 40,506,000 $ 193,808 $ 105,000
Washington, Oregon 209 $ 28,106,000 $ 134,478 $ 79,000
Ocean, New Jersey 208 $ 32,076,000 $ 154,211 $ 74,000
Tulsa, Oklahoma 207 $ 20,877,000 $ 100,855 $ 74,000
Suffolk, Virginia 205 $ 33,150,000 $ 161,707 $ 80,000
Jefferson, Colorado 204 $ 30,281,000 $ 148,436 $ 91,000
Ada, Idaho 200 $ 24,323,000 $ 121,615 $ 64,000
Salt Lake, Utah 200 $ 23,627,000 $ 118,135 $ 63,000
Galveston, Texas 198 $ 22,351,000 $ 112,883 $ 81,000
Harford, Maryland 196 $ 28,811,000 $ 146,994 $ 79,000
Howard, Maryland 196 $ 35,668,000 $ 181,979 $ 97,000
Bucks, Pennsylvania 196 $ 32,219,000 $ 164,382 $ 91,000
New Haven, Connecticut 195 $ 30,548,000 $ 156,656 $ 82,000
Hennepin, Minnesota 195 $ 26,965,000 $ 138,282 $ 91,000
Jefferson, New York 194 $ 17,654,000 $ 91,000 $ 59,000
Johnson, Kansas 193 $ 24,892,000 $ 128,974 $ 76,000
Hillsborough, New Hampshire 192 $ 31,783,000 $ 165,536 $ 89,000
Fort Bend, Texas 192 $ 23,811,000 $ 124,015 $ 84,000
Guadalupe, Texas 191 $ 20,688,000 $ 108,314 $ 72,000
New London, Connecticut 187 $ 29,784,000 $ 159,272 $ 83,000
Sarasota, Florida 187 $ 32,941,000 $ 176,155 $ 78,000
York, Virginia 186 $ 30,120,000 $ 161,935 $ 88,000
New Castle, Delaware 185 $ 25,182,000 $ 136,118 $ 81,000
St. Tammany, Louisiana 185 $ 22,685,000 $ 122,621 $ 70,000
Allegheny, Pennsylvania 185 $ 21,247,000 $ 114,848 $ 82,000
Comal, Texas 185 $ 22,937,000 $ 123,983 $ 84,000
Chester, Pennsylvania 183 $ 28,462,000 $ 155,530 $ 89,000
Wayne, Michigan 182 $ 18,051,000 $ 99,181 $ 76,000
Sedgwick, Kansas 181 $ 15,992,000 $ 88,353 $ 60,000
Greene, Ohio 181 $ 20,250,000 $ 111,878 $ 71,000
Comanche, Oklahoma 181 $ 15,704,000 $ 86,762 $ 62,000
Jefferson, Alabama 176 $ 19,849,000 $ 112,778 $ 72,000
Pinal, Arizona 174 $ 22,110,000 $ 127,068 $ 69,000
Frederick, Maryland 173 $ 26,144,000 $ 151,121 $ 85,000
Muscogee, Georgia 172 $ 19,403,000 $ 112,808 $ 70,000
Arlington, Virginia 170 $ 38,088,000 $ 224,047 $ 121,000
Fairfield, Connecticut 169 $ 39,949,000 $ 236,384 $ 108,000
Clark, Washington 169 $ 22,948,000 $ 135,786 $ 79,000
Polk, Florida 167 $ 18,908,000 $ 113,221 $ 68,000
Oakland, Michigan 167 $ 20,159,000 $ 120,712 $ 95,000
Beaufort, South Carolina 166 $ 23,318,000 $ 140,469 $ 75,000
Alexandria, Virginia 166 $ 35,370,000 $ 213,072 $ 108,000
Coffee, Alabama 165 $ 16,590,000 $ 100,545 $ 62,000
Washoe, Nevada 165 $ 32,146,000 $ 194,824 $ 77,000
Jefferson, Kentucky 164 $ 16,553,000 $ 100,932 $ 67,000
Franklin, Ohio 162 $ 16,966,000 $ 104,728 $ 68,000
Delaware, Pennsylvania 161 $ 23,272,000 $ 144,546 $ 94,000
Montgomery, Alabama 160 $ 18,039,000 $ 112,743 $ 72,000
Knox, Tennessee 158 $ 16,573,000 $ 104,892 $ 80,000
Henry, Georgia 156 $ 19,379,000 $ 124,224 $ 70,000
Worcester, Massachusetts 155 $ 24,750,000 $ 159,677 $ 93,000
Lake, Illinois 152 $ 22,063,000 $ 145,151 $ 82,000
Sumter, South Carolina 152 $ 15,808,000 $ 104,000 $ 58,000
Kern, California 150 $ 20,971,000 $ 139,806 $ 85,000
Kent, Delaware 150 $ 17,618,000 $ 117,453 $ 73,000
Dorchester, South Carolina 150 $ 17,281,000 $ 115,206 $ 65,000
St. Mary's, Maryland 148 $ 26,748,000 $ 180,729 $ 83,000
Orange, New York 147 $ 24,583,000 $ 167,231 $ 83,000
Harnett, North Carolina 147 $ 17,596,000 $ 119,700 $ 66,000
Davidson, Tennessee 147 $ 17,455,000 $ 118,741 $ 82,000
Orleans, Louisiana 146 $ 18,991,000 $ 130,075 $ 78,000
St. Charles, Missouri 146 $ 17,709,000 $ 121,294 $ 76,000
East Baton Rouge, Louisiana 145 $ 15,538,000 $ 107,158 $ 71,000
Douglas, Nebraska 145 $ 15,239,000 $ 105,096 $ 74,000
Coryell, Texas 145 $ 13,732,000 $ 94,703 $ 71,000
Rockingham, New Hampshire 144 $ 24,525,000 $ 170,312 $ 96,000
Jackson, Missouri 143 $ 14,172,000 $ 99,104 $ 75,000
Taylor, Texas 143 $ 12,688,000 $ 88,727 $ 56,000
Mobile, Alabama 142 $ 12,102,000 $ 85,225 $ 57,000
Yuma, Arizona 140 $ 17,561,000 $ 125,435 $ 70,000
Alachua, Florida 140 $ 16,666,000 $ 119,042 $ 74,000
Wichita, Texas 139 $ 14,130,000 $ 101,654 $ 65,000
Liberty, Georgia 138 $ 11,836,000 $ 85,768 $ 63,000
Davis, Utah 138 $ 17,662,000 $ 127,985 $ 79,000
Gloucester, New Jersey 137 $ 18,758,000 $ 136,919 $ 80,000
Leon, Florida 135 $ 14,023,000 $ 103,874 $ 71,000
Craven, North Carolina 135 $ 15,658,000 $ 115,985 $ 62,000
Greenville, South Carolina 135 $ 14,849,000 $ 109,992 $ 74,000
Essex, New Jersey 133 $ 26,455,000 $ 198,909 $ 97,000
Cumberland, Pennsylvania 133 $ 15,703,000 $ 118,067 $ 69,000
Cumberland, Maine 132 $ 20,501,000 $ 155,310 $ 81,000
Alameda, California 131 $ 25,052,000 $ 191,236 $ 119,000
Milwaukee, Wisconsin 131 $ 15,840,000 $ 120,916 $ 79,000
Horry, South Carolina 130 $ 15,096,000 $ 116,123 $ 67,000
Middlesex, New Jersey 129 $ 22,428,000 $ 173,860 $ 86,000
Brazos, Texas 129 $ 12,085,000 $ 93,682 $ 88,000
Fayette, Georgia 128 $ 19,216,000 $ 150,125 $ 108,000
Cuyahoga, Ohio 128 $ 16,590,000 $ 129,609 $ 85,000
Contra Costa, California 127 $ 29,851,000 $ 235,047 $ 121,000
Pulaski, Missouri 127 $ 13,846,000 $ 109,023 $ 64,000
James City, Virginia 127 $ 21,230,000 $ 167,165 $ 78,000
Solano, California 126 $ 24,659,000 $ 195,706 $ 101,000
Santa Fe, New Mexico 126 $ 18,228,000 $ 144,666 $ 84,000
Henrico, Virginia 125 $ 18,374,000 $ 146,992 $ 68,000
Island, Washington 125 $ 16,693,000 $ 133,544 $ 58,000
York, Pennsylvania 124 $ 14,745,000 $ 118,911 $ 74,000
Harrison, Mississippi 123 $ 11,556,000 $ 93,951 $ 63,000
Nassau, New York 122 $ 23,107,000 $ 189,401 $ 102,000
Macomb, Michigan 121 $ 15,428,000 $ 127,504 $ 64,000
Lexington, South Carolina 121 $ 13,096,000 $ 108,231 $ 69,000
Fresno, California 120 $ 16,662,000 $ 138,850 $ 79,000
Marion, Florida 119 $ 12,822,000 $ 107,747 $ 53,000
Otero, New Mexico 118 $ 13,911,000 $ 117,889 $ 90,000
Marion, Indiana 117 $ 12,046,000 $ 102,957 $ 69,000
Brazoria, Texas 117 $ 12,616,000 $ 107,829 $ 64,000
Santa Clara, California 116 $ 27,043,000 $ 233,129 $ 153,000
Lake, Florida 116 $ 16,518,000 $ 142,396 $ 73,000
Bossier, Louisiana 116 $ 12,827,000 $ 110,577 $ 66,000
Dona Ana, New Mexico 116 $ 14,430,000 $ 124,396 $ 77,000
Clackamas, Oregon 116 $ 16,525,000 $ 142,456 $ 88,000
Larimer, Colorado 115 $ 16,510,000 $ 143,565 $ 95,000
Yavapai, Arizona 114 $ 17,905,000 $ 157,061 $ 81,000
New Hanover, North Carolina 114 $ 14,967,000 $ 131,289 $ 66,000
Berkeley, South Carolina 114 $ 14,732,000 $ 129,228 $ 72,000
Boulder, Colorado 113 $ 17,409,000 $ 154,061 $ 90,000
Osceola, Florida 113 $ 15,350,000 $ 135,840 $ 75,000
Atlantic, New Jersey 113 $ 16,318,000 $ 144,407 $ 72,000
Bergen, New Jersey 113 $ 24,883,000 $ 220,203 $ 121,000
Laramie, Wyoming 113 $ 10,911,000 $ 96,557 $ 58,000
Shelby, Alabama 112 $ 14,792,000 $ 132,071 $ 79,000
Placer, California 112 $ 20,607,000 $ 183,991 $ 106,000
Cherokee, Georgia 112 $ 12,848,000 $ 114,714 $ 70,000
Erie, New York 112 $ 10,813,000 $ 96,544 $ 70,000
Guilford, North Carolina 112 $ 14,127,000 $ 126,133 $ 76,000
Ventura, California 109 $ 22,868,000 $ 209,798 $ 104,000
Collier, Florida 109 $ 20,683,000 $ 189,752 $ 82,000
Richmond, Georgia 109 $ 8,506,000 $ 78,036 $ 60,000
Leavenworth, Kansas 109 $ 14,466,000 $ 132,715 $ 88,000
St. Johns, Florida 108 $ 19,209,000 $ 177,861 $ 89,000
Lowndes, Georgia 108 $ 12,123,000 $ 112,250 $ 57,000
Durham, North Carolina 108 $ 12,565,000 $ 116,342 $ 72,000
Adams, Colorado 107 $ 10,689,000 $ 99,897 $ 70,000
Jackson, Mississippi 107 $ 11,400,000 $ 106,542 $ 67,000
Hudson, New Jersey 107 $ 21,511,000 $ 201,037 $ 102,000
Morris, New Jersey 107 $ 22,416,000 $ 209,495 $ 90,000
Hardin, Kentucky 106 $ 10,489,000 $ 98,952 $ 63,000
Baldwin, Alabama 105 $ 12,025,000 $ 114,523 $ 81,000
Somerset, New Jersey 105 $ 19,481,000 $ 185,533 $ 99,000
Westchester, New York 105 $ 20,807,000 $ 198,161 $ 109,000
Providence, Rhode Island 105 $ 14,013,000 $ 133,457 $ 66,000
Dakota, Minnesota 104 $ 14,365,000 $ 138,125 $ 80,000
Hays, Texas 104 $ 11,587,000 $ 111,413 $ 76,000
Portsmouth, Virginia 103 $ 12,023,000 $ 116,728 $ 63,000
Sandoval, New Mexico 102 $ 12,339,000 $ 120,970 $ 73,000
Buncombe, North Carolina 101 $ 13,899,000 $ 137,613 $ 60,000
DuPage, Illinois 100 $ 17,677,000 $ 176,770 $ 81,000
Union, New Jersey 100 $ 19,769,000 $ 197,690 $ 86,000
Manatee, Florida 99 $ 16,387,000 $ 165,525 $ 78,000
Mercer, New Jersey 99 $ 17,269,000 $ 174,434 $ 90,000
Hamilton, Ohio 99 $ 12,657,000 $ 127,848 $ 73,000
Moore, North Carolina 98 $ 11,063,000 $ 112,887 $ 78,000
Lubbock, Texas 98 $ 8,642,000 $ 88,183 $ 74,000
Will, Illinois 97 $ 12,524,000 $ 129,113 $ 85,000
Lancaster, Pennsylvania 97 $ 11,542,000 $ 118,989 $ 81,000
Tom Green, Texas 97 $ 8,206,000 $ 84,597 $ 56,000
Berkeley, West Virginia 97 $ 12,415,000 $ 127,989 $ 77,000
St. Lucie, Florida 96 $ 13,776,000 $ 143,500 $ 92,000
Jefferson, Louisiana 95 $ 11,657,000 $ 122,705 $ 76,000
Washtenaw, Michigan 95 $ 12,006,000 $ 126,378 $ 74,000
Coconino, Arizona 94 $ 14,155,000 $ 150,585 $ 81,000
Forsyth, Georgia 94 $ 14,440,000 $ 153,617 $ 89,000
Elmore, Alabama 93 $ 10,491,000 $ 112,806 $ 68,000
Lane, Oregon 93 $ 11,815,000 $ 127,043 $ 76,000
St. Louis City, Missouri 92 $ 9,326,000 $ 101,369 $ 70,000
Carteret, North Carolina 92 $ 13,436,000 $ 146,043 $ 69,000
Forsyth, North Carolina 92 $ 10,213,000 $ 111,010 $ 74,000
Fairbanks North Star, Alaska 91 $ 12,788,000 $ 140,527 $ 82,000
Madison, Illinois 91 $ 10,340,000 $ 113,626 $ 75,000
Camden, Georgia 90 $ 10,181,000 $ 113,122 $ 76,000
Northampton, Pennsylvania 90 $ 10,110,000 $ 112,333 $ 87,000
Hamilton, Tennessee 89 $ 9,265,000 $ 104,101 $ 61,000
Albemarle, Virginia 89 $ 14,306,000 $ 160,741 $ 91,000
Calvert, Maryland 88 $ 15,319,000 $ 174,079 $ 106,000
Essex, Massachusetts 87 $ 15,761,000 $ 181,160 $ 90,000
Onondaga, New York 87 $ 8,258,000 $ 94,919 $ 65,000
Kings, California 86 $ 11,779,000 $ 136,965 $ 70,000
Carroll, Maryland 86 $ 13,989,000 $ 162,662 $ 84,000
Autauga, Alabama 85 $ 11,393,000 $ 134,035 $ 74,000
Clayton, Georgia 84 $ 8,501,000 $ 101,202 $ 68,000
Norfolk, Massachusetts 84 $ 17,668,000 $ 210,333 $ 125,000
Monroe, New York 84 $ 7,984,000 $ 95,047 $ 75,000
Matanuska-Susitna, Alaska 83 $ 12,032,000 $ 144,963 $ 81,000
Caddo, Louisiana 83 $ 9,869,000 $ 118,903 $ 68,000
Hoke, North Carolina 83 $ 9,080,000 $ 109,397 $ 57,000
Utah, Utah 83 $ 8,579,000 $ 103,361 $ 72,000
Hamilton, Indiana 82 $ 10,618,000 $ 129,487 $ 95,000
Whatcom, Washington 82 $ 12,633,000 $ 154,060 $ 78,000
Bryan, Georgia 80 $ 9,570,000 $ 119,625 $ 81,000
Dale, Alabama 79 $ 6,104,000 $ 77,265 $ 57,000
Coweta, Georgia 79 $ 8,656,000 $ 109,569 $ 78,000
Penobscot, Maine 79 $ 7,127,000 $ 90,215 $ 53,000
Dauphin, Pennsylvania 79 $ 8,537,000 $ 108,063 $ 82,000
Cameron, Texas 79 $ 7,300,000 $ 92,405 $ 72,000
Smith, Texas 79 $ 8,601,000 $ 108,873 $ 63,000
Hawaii, Hawaii 78 $ 15,678,000 $ 201,000 $ 65,000
Barnstable, Massachusetts 78 $ 14,655,000 $ 187,884 $ 69,000
Suffolk, Massachusetts 78 $ 16,051,000 $ 205,782 $ 96,000
Rutherford, Tennessee 78 $ 7,898,000 $ 101,256 $ 80,000
Williamson, Tennessee 78 $ 15,093,000 $ 193,500 $ 103,000
Hidalgo, Texas 78 $ 7,169,000 $ 91,910 $ 69,000
Lonoke, Arkansas 77 $ 7,801,000 $ 101,311 $ 54,000
Benton, Arkansas 76 $ 9,775,000 $ 128,618 $ 95,000
Warren, Ohio 76 $ 10,973,000 $ 144,381 $ 100,000
Saratoga, New York 75 $ 11,105,000 $ 148,066 $ 71,000
Lee, Alabama 74 $ 8,563,000 $ 115,716 $ 59,000
Deschutes, Oregon 74 $ 11,118,000 $ 150,243 $ 87,000
Lampasas, Texas 74 $ 7,868,000 $ 106,324 $ 56,000
Dane, Wisconsin 74 $ 11,000,000 $ 148,648 $ 93,000
Riley, Kansas 73 $ 8,619,000 $ 118,068 $ 61,000
York, South Carolina 73 $ 10,347,000 $ 141,739 $ 67,000
Summit, Ohio 71 $ 6,757,000 $ 95,169 $ 69,000
Kendall, Texas 71 $ 8,703,000 $ 122,577 $ 89,000
Isle of Wight, Virginia 71 $ 11,688,000 $ 164,619 $ 88,000
Middlesex, Connecticut 70 $ 10,913,000 $ 155,900 $ 89,000
Ramsey, Minnesota 70 $ 8,992,000 $ 128,457 $ 99,000
Richmond City, Virginia 70 $ 8,895,000 $ 127,071 $ 74,000
Paulding, Georgia 69 $ 7,197,000 $ 104,304 $ 63,000
Lee, North Carolina 69 $ 7,992,000 $ 115,826 $ 67,000
Marion, Oregon 69 $ 7,804,000 $ 113,101 $ 70,000
Gloucester, Virginia 69 $ 8,969,000 $ 129,985 $ 70,000
Sonoma, California 68 $ 14,412,000 $ 211,941 $ 143,000
Plymouth, Massachusetts 68 $ 13,591,000 $ 199,867 $ 101,000
Pasquotank, North Carolina 68 $ 9,212,000 $ 135,470 $ 64,000
Wayne, North Carolina 68 $ 6,440,000 $ 94,705 $ 58,000
McLennan, Texas 68 $ 6,384,000 $ 93,882 $ 106,000
Skagit, Washington 67 $ 9,651,000 $ 144,044 $ 83,000
Lancaster, Nebraska 66 $ 5,574,000 $ 84,454 $ 61,000
Monroe, Pennsylvania 66 $ 8,102,000 $ 122,757 $ 89,000
San Patricio, Texas 66 $ 6,067,000 $ 91,924 $ 76,000
Val Verde, Texas 66 $ 6,243,000 $ 94,590 $ 67,000
El Dorado, California 65 $ 14,335,000 $ 220,538 $ 85,000
Douglas, Georgia 65 $ 8,232,000 $ 126,646 $ 79,000
McHenry, Illinois 65 $ 9,790,000 $ 150,615 $ 74,000
York, Maine 65 $ 10,392,000 $ 159,876 $ 82,000
Sussex, New Jersey 65 $ 10,698,000 $ 164,584 $ 81,000
Dutchess, New York 65 $ 10,086,000 $ 155,169 $ 97,000
Queens, New York 65 $ 12,519,000 $ 192,600 $ 82,000
Hernando, Florida 64 $ 8,114,000 $ 126,781 $ 64,000
Cape May, New Jersey 64 $ 10,333,000 $ 161,453 $ 67,000
Kings, New York 64 $ 11,846,000 $ 185,093 $ 89,000
Butler, Ohio 64 $ 6,870,000 $ 107,343 $ 82,000
Lehigh, Pennsylvania 64 $ 7,746,000 $ 121,031 $ 82,000
Hampden, Massachusetts 63 $ 8,482,000 $ 134,634 $ 70,000
Greene, Missouri 63 $ 5,244,000 $ 83,238 $ 60,000
Merrimack, New Hampshire 63 $ 9,213,000 $ 146,238 $ 89,000
Chittenden, Vermont 63 $ 8,957,000 $ 142,174 $ 71,000
San Joaquin, California 62 $ 11,713,000 $ 188,919 $ 85,000
Spartanburg, South Carolina 62 $ 5,441,000 $ 87,758 $ 62,000
Fauquier, Virginia 62 $ 12,327,000 $ 198,822 $ 100,000
Strafford, New Hampshire 61 $ 8,464,000 $ 138,754 $ 90,000
Washington, Arkansas 60 $ 7,139,000 $ 118,983 $ 70,000
Citrus, Florida 60 $ 6,298,000 $ 104,966 $ 62,000
Martin, Florida 60 $ 9,329,000 $ 155,483 $ 101,000
Kent, Michigan 60 $ 5,564,000 $ 92,733 $ 66,000
Clay, Missouri 60 $ 5,665,000 $ 94,416 $ 67,000
Jefferson, West Virginia 60 $ 12,167,000 $ 202,783 $ 91,000
Waukesha, Wisconsin 60 $ 8,052,000 $ 134,200 $ 88,000
Stanislaus, California 59 $ 10,724,000 $ 181,762 $ 85,000
Vernon, Louisiana 59 $ 4,610,000 $ 78,135 $ 52,000
Johnston, North Carolina 59 $ 6,416,000 $ 108,745 $ 64,000
Berks, Pennsylvania 59 $ 6,640,000 $ 112,542 $ 81,000
Parker, Texas 59 $ 6,236,000 $ 105,694 $ 81,000
Rockwall, Texas 59 $ 7,803,000 $ 132,254 $ 92,000
Kalamazoo, Michigan 58 $ 6,869,000 $ 118,431 $ 61,000
Richmond, New York 58 $ 9,181,000 $ 158,293 $ 99,000
Benton, Washington 58 $ 6,833,000 $ 117,810 $ 89,000
Tulare, California 57 $ 8,593,000 $ 150,754 $ 67,000
Flagler, Florida 57 $ 9,417,000 $ 165,210 $ 73,000
Ward, North Dakota 57 $ 4,386,000 $ 76,947 $ 52,000
Washington, Rhode Island 57 $ 10,034,000 $ 176,035 $ 100,000
Navajo, Arizona 56 $ 8,071,000 $ 144,125 $ 75,000
Kootenai, Idaho 56 $ 7,020,000 $ 125,357 $ 71,000
Kennebec, Maine 56 $ 5,829,000 $ 104,089 $ 75,000
Bristol, Massachusetts 56 $ 8,441,000 $ 150,732 $ 73,000
Canyon, Idaho 55 $ 5,263,000 $ 95,690 $ 60,000
Cecil, Maryland 55 $ 7,045,000 $ 128,090 $ 74,000
Pitt, North Carolina 55 $ 5,337,000 $ 97,036 $ 72,000
Jefferson, Texas 55 $ 4,289,000 $ 77,981 $ 67,000
Litchfield, Connecticut 54 $ 7,595,000 $ 140,648 $ 94,000
Sussex, Delaware 54 $ 10,666,000 $ 197,518 $ 99,000
Bibb, Georgia 54 $ 5,311,000 $ 98,351 $ 79,000
Kane, Illinois 54 $ 8,578,000 $ 158,851 $ 78,000
Yellowstone, Montana 54 $ 5,995,000 $ 111,018 $ 70,000
Hunterdon, New Jersey 54 $ 12,075,000 $ 223,611 $ 133,000
Newport, Rhode Island 54 $ 10,896,000 $ 201,777 $ 82,000
Garland, Arkansas 53 $ 3,906,000 $ 73,698 $ 83,000
Polk, Iowa 53 $ 4,710,000 $ 88,867 $ 75,000
Washington, Maryland 53 $ 8,510,000 $ 160,566 $ 74,000
Anoka, Minnesota 53 $ 5,026,000 $ 94,830 $ 66,000
Weber, Utah 53 $ 5,454,000 $ 102,905 $ 58,000
Frederick, Virginia 53 $ 8,241,000 $ 155,490 $ 90,000
Allen, Indiana 52 $ 4,314,000 $ 82,961 $ 63,000
Monroe, Indiana 52 $ 5,776,000 $ 111,076 $ 71,000
Gallatin, Montana 52 $ 8,727,000 $ 167,826 $ 90,000
Orange, North Carolina 52 $ 8,621,000 $ 165,788 $ 82,000
Pennington, South Dakota 52 $ 4,011,000 $ 77,134 $ 82,000
Ellis, Texas 52 $ 6,104,000 $ 117,384 $ 87,000
Randall, Texas 52 $ 4,481,000 $ 86,173 $ 72,000
King George, Virginia 52 $ 7,562,000 $ 145,423 $ 76,000
San Francisco, California 51 $ 16,129,000 $ 316,254 $ 139,000
Yolo, California 51 $ 10,587,000 $ 207,588 $ 128,000
Indian River, Florida 51 $ 8,640,000 $ 169,411 $ 69,000
Elmore, Idaho 51 $ 5,528,000 $ 108,392 $ 59,000
Fayette, Kentucky 51 $ 5,709,000 $ 111,941 $ 69,000
Lafayette, Louisiana 51 $ 5,115,000 $ 100,294 $ 87,000
Union, North Carolina 51 $ 6,616,000 $ 129,725 $ 77,000
Mohave, Arizona 50 $ 6,694,000 $ 133,880 $ 81,000
Cascade, Montana 50 $ 5,425,000 $ 108,500 $ 64,000
Albany, New York 50 $ 6,700,000 $ 134,000 $ 88,000
Kent, Rhode Island 50 $ 8,471,000 $ 169,420 $ 74,000
Geary, Kansas 49 $ 4,130,000 $ 84,285 $ 60,000
Boone, Missouri 49 $ 4,728,000 $ 96,489 $ 70,000
Cumberland, New Jersey 49 $ 5,717,000 $ 116,673 $ 63,000
Westmoreland, Pennsylvania 49 $ 5,442,000 $ 111,061 $ 65,000
Calhoun, Alabama 48 $ 4,550,000 $ 94,791 $ 62,000
Glynn, Georgia 48 $ 5,634,000 $ 117,375 $ 84,000
Rapides, Louisiana 48 $ 4,753,000 $ 99,020 $ 75,000
Wilson, Tennessee 48 $ 5,718,000 $ 119,125 $ 56,000
Kanawha, West Virginia 48 $ 3,715,000 $ 77,395 $ 51,000
Houston, Alabama 47 $ 5,343,000 $ 113,680 $ 68,000
San Luis Obispo, California 47 $ 7,963,000 $ 169,425 $ 92,000
Tolland, Connecticut 47 $ 6,808,000 $ 144,851 $ 72,000
Hall, Georgia 47 $ 5,737,000 $ 122,063 $ 79,000
St. Joseph, Indiana 47 $ 4,527,000 $ 96,319 $ 68,000
St. Louis, Minnesota 47 $ 6,770,000 $ 144,042 $ 84,000
Passaic, New Jersey 47 $ 7,870,000 $ 167,446 $ 78,000
Centre, Pennsylvania 47 $ 6,031,000 $ 128,319 $ 71,000
Wilson, Texas 47 $ 5,917,000 $ 125,893 $ 87,000
Prince George, Virginia 47 $ 5,158,000 $ 109,744 $ 63,000
Grafton, New Hampshire 46 $ 6,373,000 $ 138,543 $ 85,000
Lucas, Ohio 46 $ 4,333,000 $ 94,195 $ 68,000
Kerr, Texas 46 $ 4,566,000 $ 99,260 $ 57,000
Hanover, Virginia 46 $ 6,599,000 $ 143,456 $ 75,000
Shawnee, Kansas 45 $ 4,032,000 $ 89,600 $ 63,000
Platte, Missouri 45 $ 6,193,000 $ 137,622 $ 77,000
Curry, New Mexico 45 $ 4,237,000 $ 94,155 $ 54,000
Franklin, Pennsylvania 45 $ 6,059,000 $ 134,644 $ 57,000
Aiken, South Carolina 45 $ 4,465,000 $ 99,222 $ 80,000
Kenosha, Wisconsin 45 $ 6,264,000 $ 139,200 $ 77,000
Faulkner, Arkansas 44 $ 4,335,000 $ 98,522 $ 52,000
Weld, Colorado 44 $ 5,793,000 $ 131,659 $ 80,000
Champaign, Illinois 44 $ 4,353,000 $ 98,931 $ 51,000
Phelps, Missouri 44 $ 4,941,000 $ 112,295 $ 61,000
Oneida, New York 44 $ 3,663,000 $ 83,250 $ 70,000
Washington, Vermont 44 $ 5,108,000 $ 116,090 $ 71,000
Monterey, California 43 $ 12,198,000 $ 283,674 $ 130,000
San Mateo, California 43 $ 7,894,000 $ 183,581 $ 105,000
Shasta, California 43 $ 6,395,000 $ 148,720 $ 75,000
Sumter, Florida 43 $ 5,598,000 $ 130,186 $ 83,000
Johnson, Missouri 43 $ 4,309,000 $ 100,209 $ 64,000
Lewis and Clark, Montana 43 $ 4,328,000 $ 100,651 $ 60,000
Missoula, Montana 43 $ 4,786,000 $ 111,302 $ 45,000
Lyon, Nevada 43 $ 8,242,000 $ 191,674 $ 62,000
Rockland, New York 43 $ 8,998,000 $ 209,255 $ 109,000
Pender, North Carolina 43 $ 5,169,000 $ 120,209 $ 63,000
Garfield, Oklahoma 43 $ 4,244,000 $ 98,697 $ 56,000
Klamath, Oregon 43 $ 5,112,000 $ 118,883 $ 67,000
Adams, Pennsylvania 43 $ 5,339,000 $ 124,162 $ 73,000
Medina, Texas 43 $ 4,254,000 $ 98,930 $ 78,000
Clarke, Georgia 42 $ 4,008,000 $ 95,428 $ 84,000
Calcasieu, Louisiana 42 $ 3,570,000 $ 85,000 $ 92,000
Ulster, New York 42 $ 5,363,000 $ 127,690 $ 77,000
Pueblo, Colorado 41 $ 4,377,000 $ 106,756 $ 72,000
Sangamon, Illinois 41 $ 4,502,000 $ 109,804 $ 74,000
Hinds, Mississippi 41 $ 3,979,000 $ 97,048 $ 77,000
Jefferson, Missouri 41 $ 4,788,000 $ 116,780 $ 76,000
Brunswick, North Carolina 41 $ 6,032,000 $ 147,121 $ 69,000
Tipton, Tennessee 41 $ 4,702,000 $ 114,682 $ 69,000
Hood, Texas 41 $ 4,254,000 $ 103,756 $ 73,000
Summit, Utah 41 $ 8,057,000 $ 196,512 $ 108,000
Nassau, Florida 40 $ 7,133,000 $ 178,325 $ 101,000
Christian, Kentucky 40 $ 2,915,000 $ 72,875 $ 62,000
DeSoto, Mississippi 40 $ 5,185,000 $ 129,625 $ 64,000
Benton, Oregon 40 $ 5,303,000 $ 132,575 $ 61,000
Jackson, Oregon 40 $ 6,173,000 $ 154,325 $ 84,000
Warren, Virginia 40 $ 5,922,000 $ 148,050 $ 77,000
Genesee, Michigan 39 $ 3,622,000 $ 92,871 $ 62,000
Ingham, Michigan 39 $ 4,292,000 $ 110,051 $ 72,000
Livingston, Michigan 39 $ 5,820,000 $ 149,230 $ 80,000
Lowndes, Mississippi 39 $ 3,596,000 $ 92,205 $ 75,000
Warren, New Jersey 39 $ 6,664,000 $ 170,871 $ 66,000
Payne, Oklahoma 39 $ 4,156,000 $ 106,564 $ 70,000
Lebanon, Pennsylvania 39 $ 3,793,000 $ 97,256 $ 70,000
Luzerne, Pennsylvania 39 $ 3,522,000 $ 90,307 $ 73,000
Montgomery, Virginia 39 $ 4,763,000 $ 122,128 $ 60,000
Marin, California 38 $ 7,521,000 $ 197,921 $ 95,000
Bonneville, Idaho 38 $ 3,922,000 $ 103,210 $ 78,000
Lake, Indiana 38 $ 4,341,000 $ 114,236 $ 59,000
Washington, Minnesota 38 $ 5,888,000 $ 154,947 $ 97,000
Hancock, Mississippi 38 $ 4,038,000 $ 106,263 $ 55,000
Lauderdale, Mississippi 38 $ 3,651,000 $ 96,078 $ 55,000
Butte, California 37 $ 5,481,000 $ 148,135 $ 77,000
Santa Barbara, California 37 $ 7,232,000 $ 195,459 $ 133,000
Maui, Hawaii 37 $ 8,325,000 $ 225,000 $ 96,000
Wicomico, Maryland 37 $ 4,732,000 $ 127,891 $ 69,000
Belknap, New Hampshire 37 $ 4,894,000 $ 132,270 $ 63,000
Cabarrus, North Carolina 37 $ 4,445,000 $ 120,135 $ 64,000
Currituck, North Carolina 37 $ 5,288,000 $ 142,918 $ 83,000
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Mortgage Loan Application Detail Totals for USAA Federal Savings Bank in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 53,360 $7,857,909,000 $147,230 $1,600,000 $68,096 $1,000,000
Refinancing 35,122 $4,790,388,000 $122,666 $1,500,000 $79,607 $972,000
Home Improvement 10,050 $494,132,000 $45,411 $642,000 $84,647 $960,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 57,110 $8,691,316,000 $147,666 $1,600,000 $80,529 $1,000,000
Not Provided 29,069 $2,622,317,000 $84,750 $1,500,000 $62,076 $972,000
Black or African American 5,528 $799,578,000 $150,060 $1,173,000 $82,260 $614,000
Hispanic 4,659 $656,847,000 $147,588 $880,000 $78,333 $983,000
Asian 1,294 $235,826,000 $159,900 $900,000 $88,660 $415,000
American Indian or Alaskan Native 446 $66,986,000 $156,062 $827,000 $81,666 $432,000
Native Hawaiian or Other Pacific Islander 426 $69,559,000 $147,568 $623,000 $85,340 $395,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 90,505 $11,785,356,000 $123,288 $1,600,000 $75,730 $1,000,000
VA-guaranteed (Veterans Administration) 8,027 $1,357,073,000 $179,470 $485,000 $60,666 $420,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 73,504 $9,548,697,000 $124,865 $1,600,000 $75,442 $1,000,000
Application Withdrawn By Applicant 10,768 $1,729,295,000 $154,019 $1,500,000 $77,823 $972,000
Application Denied By Financial Institution 9,340 $1,325,411,000 $138,274 $1,500,000 $69,529 $983,000
Application Approved But Not Accepted 2,623 $411,751,000 $149,764 $772,000 $85,294 $615,000
File Closed For Incompleteness 2,297 $127,275,000 $48,254 $804,000 $59,941 $960,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 2,975 $382,413,000 $122,431 $888,000 $72,568 $650,000
Collateral 2,270 $274,629,000 $122,000 $900,000 $78,784 $800,000
Debt-To-Income Ratio 2,144 $352,781,000 $149,980 $1,500,000 $50,240 $370,000
Credit Application Incomplete 882 $154,039,000 $184,437 $790,000 $85,458 $960,000
Other 470 $77,300,000 $170,770 $1,211,000 $81,708 $490,000
Unverifiable Information 230 $37,172,000 $170,162 $880,000 $71,441 $983,000
Insufficient Cash (Downpayment, Closing Cost) 158 $24,994,000 $144,641 $451,000 $60,487 $467,000
Mortgage Insurance Denied 117 $7,218,000 $60,769 $688,000 $82,692 $240,000
Employment History 94 $14,865,000 $164,156 $594,000 $51,437 $243,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into USAA Federal Savings Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess USAA Federal Savings Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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