USAA Federal Savings Bank Mortgage Lending & HMDA Data, 2008

In 2008, USAA Federal Savings Bank of San Antonio, TX reported 90,776 mortgage applications totaling $16.1 billion, down 16% from 2007. The average application was for $177,480, and applicants reported an average income of $98,393. 57% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (3,515), San Antonio, TX (3,346) and Houston-Sugar Land-Baytown, TX (2,257) (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 90,776
Total Mortgage Loan Application Amount $16,110,998,000
Average Mortgage Loan Application Amount $177,480
Highest Mortgage Loan Application Amount $2,730,000
Average Applicant Income $98,393
Highest Applicant Income $6,303,000

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records USAA Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bexar, Texas 2,662 $ 352,181,000 $ 132,299 $ 92,000
Maricopa, Arizona 1,935 $ 372,391,000 $ 192,450 $ 95,000
Harris, Texas 1,353 $ 208,807,000 $ 154,328 $ 114,000
El Paso, Colorado 1,042 $ 201,422,000 $ 193,303 $ 93,000
Fairfax, Virginia 1,024 $ 270,055,000 $ 263,725 $ 136,000
Tarrant, Texas 964 $ 137,598,000 $ 142,736 $ 99,000
San Diego, California 935 $ 239,252,000 $ 255,884 $ 116,000
Clark, Nevada 879 $ 187,504,000 $ 213,315 $ 99,000
Travis, Texas 812 $ 141,292,000 $ 174,004 $ 114,000
Cumberland, North Carolina 782 $ 106,971,000 $ 136,791 $ 74,000
Bell, Texas 742 $ 87,127,000 $ 117,421 $ 77,000
Pierce, Washington 724 $ 157,416,000 $ 217,425 $ 95,000
Pima, Arizona 705 $ 124,817,000 $ 177,045 $ 90,000
King, Washington 678 $ 167,269,000 $ 246,709 $ 115,000
Dallas, Texas 669 $ 101,485,000 $ 151,696 $ 114,000
El Paso, Texas 592 $ 79,223,000 $ 133,822 $ 84,000
Prince William, Virginia 590 $ 152,756,000 $ 258,908 $ 119,000
Hillsborough, Florida 588 $ 113,602,000 $ 193,200 $ 98,000
Los Angeles, California 581 $ 145,756,000 $ 250,870 $ 130,000
Bernalillo, New Mexico 570 $ 100,671,000 $ 176,615 $ 94,000
Virginia Beach, Virginia 540 $ 113,071,000 $ 209,390 $ 91,000
Wake, North Carolina 513 $ 96,897,000 $ 188,883 $ 107,000
Oklahoma, Oklahoma 503 $ 72,165,000 $ 143,469 $ 86,000
Riverside, California 491 $ 115,184,000 $ 234,590 $ 106,000
Cook, Illinois 487 $ 105,890,000 $ 217,433 $ 120,000
Collin, Texas 466 $ 73,612,000 $ 157,965 $ 116,000
Anne Arundel, Maryland 444 $ 109,721,000 $ 247,119 $ 114,000
Montgomery, Tennessee 442 $ 57,982,000 $ 131,180 $ 74,000
Denton, Texas 425 $ 72,258,000 $ 170,018 $ 114,000
Williamson, Texas 417 $ 62,534,000 $ 149,961 $ 103,000
Honolulu, Hawaii 416 $ 134,150,000 $ 322,475 $ 111,000
Fulton, Georgia 398 $ 74,068,000 $ 186,100 $ 116,000
Onslow, North Carolina 387 $ 59,338,000 $ 153,328 $ 69,000
Sacramento, California 385 $ 82,124,000 $ 213,309 $ 102,000
Duval, Florida 376 $ 61,095,000 $ 162,486 $ 83,000
Prince George's, Maryland 373 $ 90,554,000 $ 242,772 $ 107,000
Mecklenburg, North Carolina 370 $ 60,131,000 $ 162,516 $ 100,000
San Bernardino, California 364 $ 69,822,000 $ 191,818 $ 98,000
Richland, South Carolina 355 $ 52,651,000 $ 148,312 $ 80,000
Broward, Florida 345 $ 71,155,000 $ 206,246 $ 110,000
Cobb, Georgia 331 $ 60,849,000 $ 183,833 $ 107,000
Montgomery, Maryland 326 $ 86,774,000 $ 266,177 $ 124,000
Madison, Alabama 324 $ 56,792,000 $ 175,283 $ 105,000
Thurston, Washington 321 $ 74,081,000 $ 230,781 $ 93,000
Arapahoe, Colorado 315 $ 58,290,000 $ 185,047 $ 98,000
Miami-Dade, Florida 305 $ 63,746,000 $ 209,003 $ 109,000
Orange, California 304 $ 75,775,000 $ 249,259 $ 148,000
DeKalb, Georgia 302 $ 52,264,000 $ 173,059 $ 106,000
Montgomery, Texas 298 $ 45,577,000 $ 152,942 $ 112,000
Denver, Colorado 297 $ 63,101,000 $ 212,461 $ 112,000
Burlington, New Jersey 293 $ 60,033,000 $ 204,890 $ 98,000
Santa Rosa, Florida 289 $ 50,776,000 $ 175,695 $ 83,000
Multnomah, Oregon 289 $ 62,182,000 $ 215,162 $ 100,000
Gwinnett, Georgia 285 $ 47,912,000 $ 168,112 $ 94,000
Anchorage, Alaska 282 $ 66,023,000 $ 234,124 $ 110,000
Okaloosa, Florida 279 $ 52,508,000 $ 188,200 $ 87,000
Pinellas, Florida 276 $ 45,339,000 $ 164,271 $ 87,000
Brevard, Florida 275 $ 45,374,000 $ 164,996 $ 89,000
Douglas, Colorado 273 $ 62,560,000 $ 229,157 $ 122,000
Shelby, Tennessee 270 $ 41,374,000 $ 153,237 $ 99,000
Chesapeake, Virginia 270 $ 61,526,000 $ 227,874 $ 91,000
Orange, Florida 263 $ 47,849,000 $ 181,935 $ 97,000
Spokane, Washington 262 $ 45,220,000 $ 172,595 $ 81,000
Norfolk, Virginia 260 $ 50,159,000 $ 192,919 $ 85,000
Guadalupe, Texas 257 $ 39,508,000 $ 153,727 $ 98,000
Chatham, Georgia 256 $ 44,166,000 $ 172,523 $ 76,000
Jefferson, Colorado 253 $ 47,836,000 $ 189,075 $ 111,000
Houston, Georgia 252 $ 36,609,000 $ 145,273 $ 75,000
Harnett, North Carolina 251 $ 42,459,000 $ 169,159 $ 75,000
Kitsap, Washington 250 $ 53,551,000 $ 214,204 $ 95,000
Fort Bend, Texas 246 $ 38,565,000 $ 156,768 $ 105,000
Charleston, South Carolina 242 $ 48,132,000 $ 198,892 $ 101,000
St. Clair, Illinois 240 $ 38,662,000 $ 161,091 $ 93,000
Cleveland, Oklahoma 240 $ 31,779,000 $ 132,412 $ 75,000
Escambia, Florida 239 $ 35,069,000 $ 146,732 $ 80,000
Muscogee, Georgia 238 $ 35,613,000 $ 149,634 $ 83,000
Stafford, Virginia 235 $ 62,340,000 $ 265,276 $ 117,000
Chesterfield, Virginia 234 $ 46,290,000 $ 197,820 $ 96,000
Loudoun, Virginia 234 $ 59,736,000 $ 255,282 $ 131,000
Columbia, Georgia 232 $ 38,465,000 $ 165,797 $ 83,000
Baltimore, Maryland 232 $ 45,589,000 $ 196,504 $ 106,000
Snohomish, Washington 232 $ 52,834,000 $ 227,732 $ 105,000
Cochise, Arizona 230 $ 42,300,000 $ 183,913 $ 94,000
St. Louis, Missouri 228 $ 34,533,000 $ 151,460 $ 99,000
District of Columbia, District Of Columbia 227 $ 61,349,000 $ 270,259 $ 129,000
Newport News, Virginia 227 $ 42,135,000 $ 185,616 $ 83,000
Middlesex, Massachusetts 225 $ 56,525,000 $ 251,222 $ 127,000
Montgomery, Ohio 223 $ 29,001,000 $ 130,049 $ 82,000
Comanche, Oklahoma 222 $ 26,616,000 $ 119,891 $ 72,000
Liberty, Georgia 220 $ 26,114,000 $ 118,700 $ 70,000
Salt Lake, Utah 219 $ 44,846,000 $ 204,776 $ 98,000
Ada, Idaho 218 $ 40,483,000 $ 185,701 $ 96,000
Nueces, Texas 217 $ 30,028,000 $ 138,377 $ 91,000
Pulaski, Arkansas 215 $ 30,056,000 $ 139,795 $ 84,000
Hennepin, Minnesota 214 $ 40,915,000 $ 191,191 $ 108,000
Sedgwick, Kansas 211 $ 28,029,000 $ 132,838 $ 78,000
Palm Beach, Florida 206 $ 36,759,000 $ 178,441 $ 102,000
Sarpy, Nebraska 202 $ 31,138,000 $ 154,148 $ 89,000
Tulsa, Oklahoma 198 $ 27,897,000 $ 140,893 $ 105,000
Solano, California 195 $ 51,944,000 $ 266,379 $ 98,000
Davis, Utah 194 $ 37,713,000 $ 194,396 $ 82,000
Davidson, Tennessee 193 $ 30,956,000 $ 160,393 $ 91,000
Jefferson, Alabama 192 $ 31,296,000 $ 163,000 $ 91,000
Comal, Texas 192 $ 30,667,000 $ 159,723 $ 103,000
Johnson, Kansas 191 $ 33,685,000 $ 176,361 $ 105,000
Hampton, Virginia 191 $ 32,916,000 $ 172,335 $ 78,000
Allegheny, Pennsylvania 186 $ 25,497,000 $ 137,080 $ 102,000
Philadelphia, Pennsylvania 186 $ 28,163,000 $ 151,413 $ 101,000
Franklin, Ohio 185 $ 27,416,000 $ 148,194 $ 96,000
Montgomery, Pennsylvania 185 $ 37,800,000 $ 204,324 $ 122,000
Galveston, Texas 178 $ 25,339,000 $ 142,353 $ 109,000
Taylor, Texas 174 $ 21,129,000 $ 121,431 $ 80,000
Hartford, Connecticut 173 $ 35,739,000 $ 206,583 $ 112,000
Mobile, Alabama 172 $ 21,279,000 $ 123,715 $ 74,000
Suffolk, New York 171 $ 40,393,000 $ 236,216 $ 138,000
Hoke, North Carolina 169 $ 23,562,000 $ 139,420 $ 70,000
Howard, Maryland 167 $ 41,519,000 $ 248,616 $ 116,000
Clay, Florida 163 $ 29,793,000 $ 182,779 $ 88,000
Utah, Utah 163 $ 30,632,000 $ 187,926 $ 93,000
Jefferson, Kentucky 162 $ 25,710,000 $ 158,703 $ 89,000
Larimer, Colorado 161 $ 30,234,000 $ 187,788 $ 104,000
Orleans, Louisiana 161 $ 28,815,000 $ 178,975 $ 107,000
St. Tammany, Louisiana 161 $ 27,167,000 $ 168,739 $ 96,000
Henry, Georgia 160 $ 25,968,000 $ 162,300 $ 89,000
Boulder, Colorado 159 $ 38,874,000 $ 244,490 $ 118,000
Washington, Oregon 158 $ 36,964,000 $ 233,949 $ 114,000
Alexandria, Virginia 158 $ 40,388,000 $ 255,620 $ 134,000
Jefferson, New York 156 $ 21,447,000 $ 137,480 $ 76,000
Greenville, South Carolina 155 $ 23,274,000 $ 150,154 $ 89,000
Baltimore City, Maryland 154 $ 25,561,000 $ 165,980 $ 90,000
Sumter, South Carolina 154 $ 21,625,000 $ 140,422 $ 70,000
Arlington, Virginia 154 $ 41,848,000 $ 271,740 $ 146,000
Richmond, Georgia 153 $ 17,079,000 $ 111,627 $ 76,000
Coryell, Texas 151 $ 15,463,000 $ 102,403 $ 70,000
New Haven, Connecticut 150 $ 29,263,000 $ 195,086 $ 110,000
Jackson, Missouri 150 $ 20,954,000 $ 139,693 $ 81,000
Montgomery, Alabama 149 $ 20,954,000 $ 140,630 $ 85,000
Brazos, Texas 149 $ 21,274,000 $ 142,778 $ 108,000
Hays, Texas 149 $ 24,396,000 $ 163,731 $ 101,000
Pinal, Arizona 148 $ 21,660,000 $ 146,351 $ 80,000
Marion, Indiana 148 $ 18,140,000 $ 122,567 $ 75,000
Dorchester, South Carolina 148 $ 26,543,000 $ 179,344 $ 84,000
Coffee, Alabama 147 $ 22,578,000 $ 153,591 $ 78,000
East Baton Rouge, Louisiana 147 $ 23,793,000 $ 161,857 $ 96,000
Greene, Ohio 147 $ 23,718,000 $ 161,346 $ 92,000
Clark, Washington 147 $ 28,837,000 $ 196,170 $ 95,000
Moore, North Carolina 146 $ 27,399,000 $ 187,664 $ 92,000
New Castle, Delaware 143 $ 28,886,000 $ 202,000 $ 105,000
Monmouth, New Jersey 142 $ 37,088,000 $ 261,183 $ 135,000
Contra Costa, California 140 $ 34,433,000 $ 245,950 $ 142,000
Pasco, Florida 140 $ 23,474,000 $ 167,671 $ 80,000
Guilford, North Carolina 140 $ 20,834,000 $ 148,814 $ 100,000
Lee, Florida 139 $ 24,274,000 $ 174,633 $ 100,000
Alameda, California 138 $ 39,175,000 $ 283,876 $ 144,000
Washoe, Nevada 138 $ 28,450,000 $ 206,159 $ 118,000
Dona Ana, New Mexico 138 $ 21,938,000 $ 158,971 $ 89,000
Brazoria, Texas 138 $ 20,094,000 $ 145,608 $ 90,000
Charles, Maryland 136 $ 34,932,000 $ 256,852 $ 111,000
York, Virginia 136 $ 31,378,000 $ 230,720 $ 106,000
New London, Connecticut 135 $ 26,393,000 $ 195,503 $ 107,000
Craven, North Carolina 134 $ 21,638,000 $ 161,477 $ 70,000
Berkeley, South Carolina 134 $ 20,491,000 $ 152,917 $ 80,000
Knox, Tennessee 134 $ 20,218,000 $ 150,880 $ 83,000
Harford, Maryland 133 $ 28,682,000 $ 215,654 $ 102,000
Adams, Colorado 132 $ 23,961,000 $ 181,522 $ 91,000
Fairfield, Connecticut 132 $ 33,325,000 $ 252,462 $ 140,000
Worcester, Massachusetts 130 $ 28,228,000 $ 217,138 $ 110,000
Wayne, Michigan 130 $ 14,024,000 $ 107,876 $ 86,000
Chester, Pennsylvania 130 $ 29,085,000 $ 223,730 $ 127,000
Beaufort, South Carolina 130 $ 23,822,000 $ 183,246 $ 97,000
Volusia, Florida 129 $ 19,899,000 $ 154,255 $ 101,000
Rockingham, New Hampshire 129 $ 25,537,000 $ 197,961 $ 114,000
Harrison, Mississippi 128 $ 19,199,000 $ 149,992 $ 76,000
Delaware, Pennsylvania 128 $ 21,625,000 $ 168,945 $ 105,000
Wichita, Texas 128 $ 15,855,000 $ 123,867 $ 73,000
Bay, Florida 127 $ 22,520,000 $ 177,322 $ 93,000
Hardin, Kentucky 127 $ 18,958,000 $ 149,275 $ 78,000
Hillsborough, New Hampshire 127 $ 25,596,000 $ 201,543 $ 107,000
Ocean, New Jersey 127 $ 26,891,000 $ 211,740 $ 105,000
Henrico, Virginia 125 $ 24,367,000 $ 194,936 $ 95,000
Kent, Delaware 124 $ 23,223,000 $ 187,282 $ 85,000
Lowndes, Georgia 124 $ 18,452,000 $ 148,806 $ 67,000
Camden, New Jersey 124 $ 23,029,000 $ 185,717 $ 100,000
Lake, Illinois 123 $ 25,964,000 $ 211,089 $ 110,000
Curry, New Mexico 122 $ 19,322,000 $ 158,377 $ 76,000
Cumberland, Maine 121 $ 23,554,000 $ 194,661 $ 101,000
Oakland, Michigan 120 $ 19,871,000 $ 165,591 $ 117,000
Tom Green, Texas 120 $ 14,172,000 $ 118,100 $ 70,000
Ventura, California 119 $ 29,581,000 $ 248,579 $ 116,000
Jefferson, Louisiana 119 $ 19,176,000 $ 161,142 $ 82,000
Hamilton, Ohio 119 $ 16,720,000 $ 140,504 $ 99,000
Bucks, Pennsylvania 119 $ 23,935,000 $ 201,134 $ 109,000
York, Pennsylvania 119 $ 19,682,000 $ 165,394 $ 91,000
Durham, North Carolina 118 $ 20,724,000 $ 175,627 $ 105,000
Sandoval, New Mexico 117 $ 21,384,000 $ 182,769 $ 98,000
Bossier, Louisiana 116 $ 17,958,000 $ 154,810 $ 71,000
Santa Clara, California 115 $ 27,890,000 $ 242,521 $ 150,000
Kern, California 114 $ 20,372,000 $ 178,701 $ 97,000
Weber, Utah 114 $ 19,042,000 $ 167,035 $ 82,000
Pulaski, Missouri 113 $ 16,508,000 $ 146,088 $ 82,000
Fayette, Georgia 110 $ 22,793,000 $ 207,209 $ 115,000
Leavenworth, Kansas 110 $ 18,707,000 $ 170,063 $ 99,000
Riley, Kansas 110 $ 15,779,000 $ 143,445 $ 79,000
St. Mary's, Maryland 110 $ 25,200,000 $ 229,090 $ 118,000
Buncombe, North Carolina 110 $ 21,285,000 $ 193,500 $ 100,000
Essex, Massachusetts 109 $ 26,632,000 $ 244,330 $ 134,000
Douglas, Nebraska 109 $ 15,569,000 $ 142,834 $ 117,000
Yavapai, Arizona 108 $ 21,765,000 $ 201,527 $ 99,000
Cumberland, Pennsylvania 108 $ 20,489,000 $ 189,712 $ 108,000
Suffolk, Virginia 108 $ 26,397,000 $ 244,416 $ 105,000
Fresno, California 107 $ 21,509,000 $ 201,018 $ 103,000
Polk, Florida 107 $ 15,575,000 $ 145,560 $ 82,000
Seminole, Florida 106 $ 17,140,000 $ 161,698 $ 99,000
Clackamas, Oregon 106 $ 23,721,000 $ 223,783 $ 111,000
Lexington, South Carolina 106 $ 16,360,000 $ 154,339 $ 86,000
St. Charles, Missouri 105 $ 17,519,000 $ 166,847 $ 90,000
Nassau, New York 105 $ 24,554,000 $ 233,847 $ 138,000
Placer, California 104 $ 26,417,000 $ 254,009 $ 111,000
Hamilton, Indiana 103 $ 17,755,000 $ 172,378 $ 97,000
Dakota, Minnesota 101 $ 18,525,000 $ 183,415 $ 113,000
Erie, New York 101 $ 11,578,000 $ 114,633 $ 84,000
Clayton, Georgia 99 $ 11,090,000 $ 112,020 $ 79,000
Otero, New Mexico 99 $ 11,998,000 $ 121,191 $ 69,000
Santa Fe, New Mexico 99 $ 19,806,000 $ 200,060 $ 111,000
Bryan, Georgia 98 $ 20,753,000 $ 211,765 $ 94,000
Spotsylvania, Virginia 98 $ 23,553,000 $ 240,336 $ 109,000
Lonoke, Arkansas 97 $ 13,525,000 $ 139,432 $ 67,000
Macomb, Michigan 97 $ 15,915,000 $ 164,072 $ 91,000
Lee, Alabama 96 $ 15,048,000 $ 156,750 $ 86,000
Horry, South Carolina 95 $ 14,670,000 $ 154,421 $ 91,000
Milwaukee, Wisconsin 95 $ 13,948,000 $ 146,821 $ 81,000
Cherokee, Georgia 94 $ 17,767,000 $ 189,010 $ 114,000
Cuyahoga, Ohio 94 $ 10,679,000 $ 113,606 $ 90,000
DuPage, Illinois 93 $ 20,118,000 $ 216,322 $ 127,000
Will, Illinois 93 $ 19,633,000 $ 211,107 $ 102,000
Dane, Wisconsin 93 $ 18,201,000 $ 195,709 $ 89,000
Laramie, Wyoming 93 $ 15,271,000 $ 164,204 $ 79,000
Fairbanks North Star, Alaska 92 $ 17,650,000 $ 191,847 $ 95,000
Barnstable, Massachusetts 92 $ 20,249,000 $ 220,097 $ 111,000
Island, Washington 92 $ 18,936,000 $ 205,826 $ 94,000
Essex, New Jersey 91 $ 24,228,000 $ 266,241 $ 156,000
Frederick, Maryland 90 $ 22,548,000 $ 250,533 $ 110,000
Yuma, Arizona 89 $ 16,695,000 $ 187,584 $ 84,000
Alachua, Florida 89 $ 14,717,000 $ 165,359 $ 104,000
Caddo, Louisiana 89 $ 13,252,000 $ 148,898 $ 102,000
Orange, New York 89 $ 20,915,000 $ 235,000 $ 103,000
San Joaquin, California 87 $ 17,459,000 $ 200,678 $ 93,000
Morris, New Jersey 87 $ 22,589,000 $ 259,643 $ 167,000
Geary, Kansas 86 $ 11,531,000 $ 134,081 $ 67,000
Norfolk, Massachusetts 86 $ 22,879,000 $ 266,034 $ 142,000
Jackson, Mississippi 86 $ 12,360,000 $ 143,720 $ 87,000
New Hanover, North Carolina 86 $ 15,256,000 $ 177,395 $ 95,000
Ramsey, Minnesota 85 $ 15,324,000 $ 180,282 $ 115,000
Bergen, New Jersey 85 $ 20,142,000 $ 236,964 $ 135,000
Union, North Carolina 84 $ 16,112,000 $ 191,809 $ 110,000
Williamson, Tennessee 84 $ 18,644,000 $ 221,952 $ 113,000
Portsmouth, Virginia 84 $ 13,537,000 $ 161,154 $ 82,000
Baldwin, Alabama 83 $ 13,893,000 $ 167,385 $ 88,000
Coconino, Arizona 82 $ 19,399,000 $ 236,573 $ 101,000
Leon, Florida 82 $ 12,059,000 $ 147,060 $ 87,000
Forsyth, Georgia 82 $ 17,094,000 $ 208,463 $ 119,000
Middlesex, New Jersey 82 $ 19,629,000 $ 239,378 $ 119,000
Smith, Texas 82 $ 11,720,000 $ 142,926 $ 81,000
Saratoga, New York 81 $ 15,068,000 $ 186,024 $ 103,000
Elmore, Alabama 80 $ 13,038,000 $ 162,975 $ 87,000
St. Johns, Florida 80 $ 16,263,000 $ 203,287 $ 99,000
Clay, Missouri 80 $ 13,197,000 $ 164,962 $ 90,000
Hamilton, Tennessee 80 $ 13,282,000 $ 166,025 $ 89,000
Parker, Texas 80 $ 11,981,000 $ 149,762 $ 101,000
Albemarle, Virginia 80 $ 20,026,000 $ 250,325 $ 112,000
Sonoma, California 79 $ 20,786,000 $ 263,113 $ 128,000
Plymouth, Massachusetts 79 $ 17,128,000 $ 216,810 $ 115,000
Whatcom, Washington 79 $ 16,775,000 $ 212,341 $ 86,000
Lubbock, Texas 78 $ 8,417,000 $ 107,910 $ 87,000
McLennan, Texas 78 $ 8,779,000 $ 112,551 $ 93,000
James City, Virginia 78 $ 18,818,000 $ 241,256 $ 107,000
Sarasota, Florida 77 $ 13,585,000 $ 176,428 $ 100,000
York, Maine 77 $ 15,560,000 $ 202,077 $ 109,000
Marion, Oregon 77 $ 12,317,000 $ 159,961 $ 86,000
Coweta, Georgia 76 $ 13,507,000 $ 177,723 $ 91,000
Gloucester, New Jersey 76 $ 14,480,000 $ 190,526 $ 107,000
Aiken, South Carolina 76 $ 10,003,000 $ 131,618 $ 85,000
Mercer, New Jersey 75 $ 15,364,000 $ 204,853 $ 121,000
Kendall, Texas 75 $ 12,490,000 $ 166,533 $ 131,000
Sussex, Delaware 74 $ 16,247,000 $ 219,554 $ 120,000
Cascade, Montana 74 $ 11,509,000 $ 155,527 $ 67,000
Spartanburg, South Carolina 74 $ 10,039,000 $ 135,662 $ 86,000
Shelby, Alabama 73 $ 11,404,000 $ 156,219 $ 88,000
Douglas, Georgia 73 $ 13,243,000 $ 181,410 $ 106,000
Suffolk, Massachusetts 73 $ 19,189,000 $ 262,863 $ 128,000
Union, New Jersey 73 $ 19,788,000 $ 271,068 $ 137,000
Carteret, North Carolina 73 $ 13,698,000 $ 187,643 $ 86,000
Wayne, North Carolina 73 $ 9,549,000 $ 130,808 $ 68,000
Berkeley, West Virginia 73 $ 14,417,000 $ 197,493 $ 88,000
Matanuska-Susitna, Alaska 72 $ 14,429,000 $ 200,402 $ 112,000
El Dorado, California 72 $ 15,450,000 $ 214,583 $ 119,000
Fayette, Kentucky 72 $ 10,824,000 $ 150,333 $ 94,000
Johnston, North Carolina 72 $ 13,418,000 $ 186,361 $ 82,000
Deschutes, Oregon 72 $ 15,786,000 $ 219,250 $ 113,000
Lane, Oregon 72 $ 14,510,000 $ 201,527 $ 97,000
Rutherford, Tennessee 72 $ 10,689,000 $ 148,458 $ 76,000
Hidalgo, Texas 72 $ 8,796,000 $ 122,166 $ 90,000
Washtenaw, Michigan 71 $ 11,811,000 $ 166,352 $ 98,000
Atlantic, New Jersey 70 $ 13,489,000 $ 192,700 $ 102,000
Cape May, New Jersey 70 $ 13,536,000 $ 193,371 $ 109,000
Providence, Rhode Island 70 $ 13,000,000 $ 185,714 $ 93,000
Warren, Ohio 69 $ 14,332,000 $ 207,710 $ 113,000
Monroe, New York 68 $ 8,007,000 $ 117,750 $ 105,000
Garfield, Oklahoma 68 $ 9,407,000 $ 138,338 $ 78,000
Cameron, Texas 68 $ 8,249,000 $ 121,308 $ 88,000
Platte, Missouri 67 $ 12,674,000 $ 189,164 $ 96,000
Westchester, New York 66 $ 16,720,000 $ 253,333 $ 159,000
Dauphin, Pennsylvania 66 $ 10,477,000 $ 158,742 $ 86,000
Manatee, Florida 65 $ 10,992,000 $ 169,107 $ 106,000
St. Louis City, Missouri 65 $ 10,007,000 $ 153,953 $ 105,000
Jefferson, Texas 65 $ 6,673,000 $ 102,661 $ 74,000
Marion, Florida 64 $ 10,258,000 $ 160,281 $ 82,000
Osceola, Florida 63 $ 10,235,000 $ 162,460 $ 96,000
Camden, Georgia 63 $ 10,583,000 $ 167,984 $ 77,000
Calvert, Maryland 63 $ 13,688,000 $ 217,269 $ 121,000
Autauga, Alabama 62 $ 10,882,000 $ 175,516 $ 85,000
Dale, Alabama 62 $ 7,047,000 $ 113,661 $ 83,000
Lake, Florida 62 $ 10,751,000 $ 173,403 $ 82,000
Hudson, New Jersey 62 $ 16,089,000 $ 259,500 $ 113,000
Forsyth, North Carolina 62 $ 8,878,000 $ 143,193 $ 89,000
Lehigh, Pennsylvania 62 $ 11,061,000 $ 178,403 $ 102,000
Val Verde, Texas 62 $ 8,830,000 $ 142,419 $ 70,000
Richmond City, Virginia 62 $ 11,387,000 $ 183,661 $ 119,000
Madison, Illinois 61 $ 9,552,000 $ 156,590 $ 80,000
Lafayette, Louisiana 61 $ 9,560,000 $ 156,721 $ 89,000
Hampden, Massachusetts 61 $ 10,544,000 $ 172,852 $ 81,000
Lancaster, Pennsylvania 61 $ 9,654,000 $ 158,262 $ 120,000
Chittenden, Vermont 61 $ 12,049,000 $ 197,524 $ 105,000
St. Lucie, Florida 60 $ 8,132,000 $ 135,533 $ 92,000
Orange, North Carolina 60 $ 12,147,000 $ 202,450 $ 123,000
Washington, Rhode Island 60 $ 13,290,000 $ 221,500 $ 106,000
Benton, Washington 60 $ 11,767,000 $ 196,116 $ 113,000
Houston, Alabama 59 $ 8,577,000 $ 145,372 $ 75,000
Monterey, California 59 $ 15,113,000 $ 256,152 $ 117,000
Hawaii, Hawaii 59 $ 14,606,000 $ 247,559 $ 99,000
Christian, Kentucky 59 $ 6,512,000 $ 110,372 $ 65,000
Greene, Missouri 59 $ 7,104,000 $ 120,406 $ 81,000
Somerset, New Jersey 59 $ 11,747,000 $ 199,101 $ 129,000
Summit, Ohio 59 $ 8,866,000 $ 150,271 $ 92,000
Fauquier, Virginia 59 $ 13,740,000 $ 232,881 $ 118,000
Paulding, Georgia 58 $ 9,363,000 $ 161,431 $ 77,000
Merrimack, New Hampshire 58 $ 10,082,000 $ 173,827 $ 109,000
Onondaga, New York 58 $ 8,094,000 $ 139,551 $ 117,000
York, South Carolina 58 $ 9,570,000 $ 165,000 $ 106,000
Litchfield, Connecticut 57 $ 12,431,000 $ 218,087 $ 119,000
Penobscot, Maine 57 $ 8,626,000 $ 151,333 $ 106,000
Mesa, Colorado 56 $ 10,050,000 $ 179,464 $ 90,000
Weld, Colorado 56 $ 11,588,000 $ 206,928 $ 93,000
Calcasieu, Louisiana 56 $ 7,197,000 $ 128,517 $ 88,000
Vernon, Louisiana 56 $ 7,042,000 $ 125,750 $ 70,000
Canadian, Oklahoma 56 $ 8,300,000 $ 148,214 $ 79,000
Luzerne, Pennsylvania 56 $ 8,785,000 $ 156,875 $ 96,000
Kane, Illinois 55 $ 9,440,000 $ 171,636 $ 97,000
Newport, Rhode Island 55 $ 13,078,000 $ 237,781 $ 131,000
Sumner, Tennessee 55 $ 10,193,000 $ 185,327 $ 90,000
Ellis, Texas 55 $ 6,380,000 $ 116,000 $ 89,000
Washington, Arkansas 54 $ 7,219,000 $ 133,685 $ 86,000
Santa Barbara, California 54 $ 12,484,000 $ 231,185 $ 94,000
Yolo, California 54 $ 13,888,000 $ 257,185 $ 128,000
Middlesex, Connecticut 54 $ 11,383,000 $ 210,796 $ 116,000
Collier, Florida 54 $ 10,493,000 $ 194,314 $ 129,000
Elmore, Idaho 54 $ 8,435,000 $ 156,203 $ 67,000
Yellowstone, Montana 54 $ 9,099,000 $ 168,500 $ 99,000
Kootenai, Idaho 53 $ 9,663,000 $ 182,320 $ 99,000
Kent, Michigan 53 $ 7,123,000 $ 134,396 $ 85,000
Boone, Missouri 53 $ 7,229,000 $ 136,396 $ 90,000
Pennington, South Dakota 53 $ 9,010,000 $ 170,000 $ 80,000
Waukesha, Wisconsin 53 $ 11,545,000 $ 217,830 $ 130,000
Calhoun, Alabama 52 $ 5,876,000 $ 113,000 $ 84,000
Tuscaloosa, Alabama 52 $ 7,080,000 $ 136,153 $ 79,000
Garland, Arkansas 52 $ 7,277,000 $ 139,942 $ 93,000
Kings, California 52 $ 10,200,000 $ 196,153 $ 94,000
Polk, Iowa 52 $ 6,858,000 $ 131,884 $ 97,000
Anoka, Minnesota 52 $ 10,075,000 $ 193,750 $ 98,000
Johnson, Missouri 52 $ 6,630,000 $ 127,500 $ 62,000
Passaic, New Jersey 52 $ 12,228,000 $ 235,153 $ 105,000
Queens, New York 52 $ 12,945,000 $ 248,942 $ 94,000
Rockwall, Texas 52 $ 9,253,000 $ 177,942 $ 121,000
Carroll, Maryland 51 $ 11,584,000 $ 227,137 $ 122,000
Strafford, New Hampshire 51 $ 8,188,000 $ 160,549 $ 90,000
Brunswick, North Carolina 51 $ 8,762,000 $ 171,803 $ 105,000
Berks, Pennsylvania 51 $ 8,524,000 $ 167,137 $ 103,000
Benton, Arkansas 50 $ 7,633,000 $ 152,660 $ 92,000
St. Joseph, Indiana 50 $ 5,523,000 $ 110,460 $ 88,000
DeSoto, Mississippi 50 $ 8,092,000 $ 161,840 $ 81,000
Lewis and Clark, Montana 50 $ 7,406,000 $ 148,120 $ 85,000
Grafton, New Hampshire 50 $ 8,887,000 $ 177,740 $ 161,000
Jackson, Oregon 50 $ 10,901,000 $ 218,020 $ 86,000
Monroe, Pennsylvania 50 $ 8,676,000 $ 173,520 $ 107,000
Medina, Texas 50 $ 9,009,000 $ 180,180 $ 93,000
Wilson, Texas 50 $ 7,629,000 $ 152,580 $ 91,000
Kanawha, West Virginia 50 $ 5,615,000 $ 112,300 $ 79,000
Yuba, California 49 $ 9,239,000 $ 188,551 $ 71,000
Pueblo, Colorado 49 $ 7,134,000 $ 145,591 $ 81,000
Canyon, Idaho 49 $ 7,527,000 $ 153,612 $ 80,000
McHenry, Illinois 49 $ 9,719,000 $ 198,346 $ 102,000
Pitt, North Carolina 49 $ 6,362,000 $ 129,836 $ 78,000
Centre, Pennsylvania 49 $ 8,646,000 $ 176,448 $ 92,000
Kerr, Texas 49 $ 6,414,000 $ 130,897 $ 177,000
Russell, Alabama 48 $ 6,235,000 $ 129,895 $ 66,000
Mohave, Arizona 48 $ 7,919,000 $ 164,979 $ 107,000
Navajo, Arizona 48 $ 8,866,000 $ 184,708 $ 104,000
Cabarrus, North Carolina 48 $ 7,923,000 $ 165,062 $ 96,000
Lucas, Ohio 48 $ 5,509,000 $ 114,770 $ 74,000
Montgomery, Virginia 48 $ 9,502,000 $ 197,958 $ 117,000
Limestone, Alabama 47 $ 8,375,000 $ 178,191 $ 95,000
San Luis Obispo, California 47 $ 10,574,000 $ 224,978 $ 89,000
Livingston, Louisiana 47 $ 7,133,000 $ 151,765 $ 81,000
Bristol, Massachusetts 47 $ 10,299,000 $ 219,127 $ 108,000
Northampton, Pennsylvania 47 $ 8,486,000 $ 180,553 $ 95,000
Kent, Rhode Island 47 $ 8,619,000 $ 183,382 $ 110,000
Lancaster, Nebraska 46 $ 5,863,000 $ 127,456 $ 76,000
Hunterdon, New Jersey 46 $ 11,222,000 $ 243,956 $ 160,000
Kings, New York 46 $ 11,140,000 $ 242,173 $ 115,000
Washington, Tennessee 46 $ 6,988,000 $ 151,913 $ 75,000
Washington, Utah 46 $ 9,570,000 $ 208,043 $ 98,000
Jefferson, West Virginia 46 $ 10,349,000 $ 224,978 $ 104,000
Scott, Iowa 45 $ 7,391,000 $ 164,244 $ 102,000
St. Louis, Minnesota 45 $ 7,584,000 $ 168,533 $ 78,000
Washington, Minnesota 45 $ 9,063,000 $ 201,400 $ 96,000
Lowndes, Mississippi 45 $ 6,312,000 $ 140,266 $ 79,000
Gallatin, Montana 45 $ 8,910,000 $ 198,000 $ 94,000
Sussex, New Jersey 45 $ 7,576,000 $ 168,355 $ 121,000
Butler, Ohio 45 $ 6,390,000 $ 142,000 $ 88,000
Skagit, Washington 45 $ 9,032,000 $ 200,711 $ 101,000
Faulkner, Arkansas 44 $ 5,537,000 $ 125,840 $ 93,000
San Francisco, California 44 $ 11,913,000 $ 270,750 $ 165,000
Tulare, California 44 $ 7,184,000 $ 163,272 $ 93,000
Tolland, Connecticut 44 $ 9,381,000 $ 213,204 $ 95,000
Citrus, Florida 44 $ 7,269,000 $ 165,204 $ 85,000
Martin, Florida 44 $ 7,187,000 $ 163,340 $ 117,000
Allen, Indiana 44 $ 4,658,000 $ 105,863 $ 66,000
Clallam, Washington 44 $ 7,638,000 $ 173,590 $ 86,000
Long, Georgia 43 $ 6,125,000 $ 142,441 $ 70,000
Gaston, North Carolina 43 $ 5,747,000 $ 133,651 $ 87,000
Lee, North Carolina 43 $ 6,808,000 $ 158,325 $ 66,000
Lampasas, Texas 43 $ 5,232,000 $ 121,674 $ 84,000
Isle of Wight, Virginia 43 $ 10,439,000 $ 242,767 $ 108,000
San Mateo, California 42 $ 13,001,000 $ 309,547 $ 163,000
Broomfield, Colorado 42 $ 7,928,000 $ 188,761 $ 99,000
Hall, Georgia 42 $ 7,564,000 $ 180,095 $ 109,000
Rapides, Louisiana 42 $ 5,949,000 $ 141,642 $ 86,000
Flathead, Montana 42 $ 7,674,000 $ 182,714 $ 76,000
Douglas, Nevada 42 $ 10,562,000 $ 251,476 $ 134,000
Westmoreland, Pennsylvania 42 $ 5,944,000 $ 141,523 $ 98,000
Johnson, Texas 42 $ 5,662,000 $ 134,809 $ 91,000
Midland, Texas 42 $ 7,125,000 $ 169,642 $ 157,000
Randall, Texas 42 $ 4,896,000 $ 116,571 $ 91,000
Frederick, Virginia 42 $ 8,691,000 $ 206,928 $ 101,000
Hanover, Virginia 42 $ 8,398,000 $ 199,952 $ 112,000
Kenosha, Wisconsin 42 $ 7,058,000 $ 168,047 $ 85,000
Nevada, California 41 $ 10,566,000 $ 257,707 $ 112,000
Stanislaus, California 41 $ 7,473,000 $ 182,268 $ 109,000
Hernando, Florida 41 $ 7,179,000 $ 175,097 $ 79,000
Glynn, Georgia 41 $ 8,883,000 $ 216,658 $ 117,000
Missoula, Montana 41 $ 6,998,000 $ 170,682 $ 78,000
Anderson, South Carolina 41 $ 6,703,000 $ 163,487 $ 77,000
Kershaw, South Carolina 41 $ 5,900,000 $ 143,902 $ 80,000
Clarke, Georgia 40 $ 5,070,000 $ 126,750 $ 89,000
Harris, Georgia 40 $ 8,478,000 $ 211,950 $ 77,000
Monroe, Indiana 40 $ 6,555,000 $ 163,875 $ 83,000
Shawnee, Kansas 40 $ 5,615,000 $ 140,375 $ 83,000
Forrest, Mississippi 40 $ 4,967,000 $ 124,175 $ 80,000
Hinds, Mississippi 40 $ 4,259,000 $ 106,475 $ 89,000
Jefferson, Missouri 40 $ 7,290,000 $ 182,250 $ 83,000
Valencia, New Mexico 40 $ 6,032,000 $ 150,800 $ 79,000
Albany, New York 40 $ 6,657,000 $ 166,425 $ 89,000
Dutchess, New York 40 $ 9,822,000 $ 245,550 $ 106,000
Henderson, North Carolina 40 $ 7,252,000 $ 181,300 $ 89,000
Yakima, Washington 40 $ 6,311,000 $ 157,775 $ 91,000
Merced, California 39 $ 6,120,000 $ 156,923 $ 97,000
Johnson, Indiana 39 $ 5,147,000 $ 131,974 $ 74,000
Lake, Indiana 39 $ 5,563,000 $ 142,641 $ 68,000
Bastrop, Texas 39 $ 5,745,000 $ 147,307 $ 92,000
Washington, Vermont 39 $ 7,358,000 $ 188,666 $ 85,000
Gloucester, Virginia 39 $ 7,901,000 $ 202,589 $ 88,000
Marin, California 38 $ 8,037,000 $ 211,500 $ 161,000
Kennebec, Maine 38 $ 4,488,000 $ 118,105 $ 66,000
Richmond, New York 38 $ 10,410,000 $ 273,947 $ 98,000
Pasquotank, North Carolina 38 $ 6,329,000 $ 166,552 $ 68,000
Rogers, Oklahoma 38 $ 5,740,000 $ 151,052 $ 87,000
Franklin, Pennsylvania 38 $ 7,925,000 $ 208,552 $ 92,000
Florence, South Carolina 38 $ 5,398,000 $ 142,052 $ 77,000
Champaign, Illinois 37 $ 5,089,000 $ 137,540 $ 82,000
Wilson, Tennessee 37 $ 7,230,000 $ 195,405 $ 101,000
Bandera, Texas 37 $ 5,572,000 $ 150,594 $ 95,000
Humboldt, California 36 $ 7,368,000 $ 204,666 $ 101,000
Summit, Colorado 36 $ 8,365,000 $ 232,361 $ 122,000
Hendricks, Indiana 36 $ 5,175,000 $ 143,750 $ 116,000
Rankin, Mississippi 36 $ 4,776,000 $ 132,666 $ 90,000
Lorain, Ohio 36 $ 5,407,000 $ 150,194 $ 96,000
Pickens, South Carolina 36 $ 5,872,000 $ 163,111 $ 82,000
Bibb, Georgia 35 $ 4,945,000 $ 141,285 $ 80,000
Porter, Indiana 35 $ 6,268,000 $ 179,085 $ 81,000
Butler, Kansas 35 $ 5,254,000 $ 150,114 $ 83,000
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Mortgage Loan Application Detail Totals for USAA Federal Savings Bank in 2008

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 44,603 $8,559,042,000 $191,000 $2,730,000 $94,000 $4,273,000
Refinancing 39,301 $7,210,629,000 $183,000 $1,688,000 $101,000 $5,102,000
Home Improvement 6,872 $341,327,000 $49,000 $750,000 $112,000 $6,303,000

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 61,048 $11,009,428,000 $180,000 $2,730,000 $99,000 $6,303,000
Not Provided 14,799 $2,479,222,000 $167,000 $999,000 $105,000 $4,940,000
Black or African American 6,420 $1,113,437,000 $173,000 $1,210,000 $87,000 $730,000
Hispanic 5,637 $954,602,000 $169,000 $713,000 $86,000 $721,000
Asian 1,623 $324,581,000 $199,000 $882,000 $98,000 $675,000
American Indian or Alaskan Native 768 $131,288,000 $170,000 $485,000 $89,000 $1,434,000
Native Hawaiian or Other Pacific Islander 481 $98,440,000 $204,000 $625,000 $86,000 $960,000
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) 74,120 $12,748,990,000 $172,000 $2,730,000 $104,000 $6,303,000
VA-guaranteed (Veterans Administration) 16,656 $3,362,008,000 $201,000 $612,000 $73,000 $473,000
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 51,863 $9,242,698,000 $178,000 $910,000 $98,000 $4,200,000
Application Denied By Financial Institution 22,626 $3,639,263,000 $160,000 $2,730,000 $93,000 $6,303,000
Application Withdrawn By Applicant 13,778 $2,842,028,000 $206,000 $1,200,000 $104,000 $1,460,000
Application Approved But Not Accepted 1,727 $331,553,000 $191,000 $979,000 $110,000 $4,940,000
File Closed For Incompleteness 782 $55,456,000 $70,000 $700,000 $117,000 $1,500,000
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
Collateral 7,934 $1,125,928,000 $141,000 $750,000 $109,000 $4,273,000
Credit History 6,347 $1,041,963,000 $164,000 $1,688,000 $90,000 $6,303,000
Debt-To-Income Ratio 4,358 $772,167,000 $177,000 $1,440,000 $68,000 $704,000
Other 1,719 $240,983,000 $140,000 $1,272,000 $101,000 $1,991,000
Credit Application Incomplete 1,126 $247,205,000 $219,000 $2,730,000 $100,000 $3,858,000
Insufficient Cash (Downpayment, Closing Cost) 588 $118,724,000 $201,000 $702,000 $88,000 $869,000
Unverifiable Information 308 $52,919,000 $171,000 $500,000 $89,000 $1,058,000
Employment History 205 $35,053,000 $170,000 $417,000 $53,000 $500,000
Mortgage Insurance Denied 41 $4,321,000 $105,000 $339,000 $116,000 $322,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into USAA Federal Savings Bank's 2008 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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