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records USAA Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3,515 | $ 902,344,000 | $ 256,712 | $ 125,418 |
| San Antonio, TX | 3,346 | $ 459,305,000 | $ 137,269 | $ 94,000 |
| Houston-Sugar Land-Baytown, TX | 2,257 | $ 342,435,000 | $ 151,721 | $ 110,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,254 | $ 395,759,000 | $ 175,580 | $ 103,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,083 | $ 394,051,000 | $ 189,174 | $ 94,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2,042 | $ 421,782,000 | $ 206,553 | $ 91,396 |
| Dallas-Plano-Irving, TX | 1,718 | $ 269,728,000 | $ 157,001 | $ 113,000 |
| Austin-Round Rock, TX | 1,433 | $ 235,819,000 | $ 164,563 | $ 108,000 |
| Denver-Aurora, CO | 1,353 | $ 272,259,000 | $ 201,226 | $ 108,000 |
| Baltimore-Towson, MD | 1,210 | $ 268,469,000 | $ 221,875 | $ 108,000 |
| Fort Worth-Arlington, TX | 1,103 | $ 157,088,000 | $ 142,418 | $ 99,000 |
| Colorado Springs, CO | 1,071 | $ 207,570,000 | $ 193,809 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,045 | $ 189,594,000 | $ 181,429 | $ 92,000 |
| Fayetteville, NC | 951 | $ 130,533,000 | $ 137,258 | $ 73,000 |
| Killeen-Temple-Fort Hood, TX | 936 | $ 107,822,000 | $ 115,194 | $ 76,000 |
| San Diego-Carlsbad-San Marcos, CA | 935 | $ 239,252,000 | $ 255,884 | $ 116,000 |
| Seattle-Bellevue-Everett, WA | 910 | $ 220,103,000 | $ 241,871 | $ 113,000 |
| Las Vegas-Paradise, NV | 879 | $ 187,504,000 | $ 213,315 | $ 99,000 |
| Oklahoma City, OK | 864 | $ 120,973,000 | $ 140,015 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 855 | $ 185,006,000 | $ 216,381 | $ 103,000 |
| Chicago-Naperville-Joliet, IL | 808 | $ 171,967,000 | $ 212,830 | $ 115,000 |
| St. Louis, MO-IL | 800 | $ 126,509,000 | $ 158,136 | $ 94,340 |
| Philadelphia, PA | 748 | $ 140,608,000 | $ 187,978 | $ 113,000 |
| Portland-Vancouver-Beaverton, OR-WA | 745 | $ 160,383,000 | $ 215,279 | $ 102,711 |
| Albuquerque, NM | 731 | $ 128,460,000 | $ 175,731 | $ 94,000 |
| Tacoma, WA | 724 | $ 157,416,000 | $ 217,425 | $ 95,000 |
| Tucson, AZ | 705 | $ 124,817,000 | $ 177,045 | $ 90,000 |
| Kansas City, MO-KS | 681 | $ 110,332,000 | $ 162,014 | $ 93,010 |
| Richmond, VA | 659 | $ 127,286,000 | $ 193,150 | $ 99,000 |
| Jacksonville, FL | 655 | $ 114,524,000 | $ 174,845 | $ 87,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 615 | $ 137,879,000 | $ 224,193 | $ 108,000 |
| Charlotte-Gastonia-Concord, NC-SC | 604 | $ 99,528,000 | $ 164,781 | $ 100,576 |
| Raleigh-Cary, NC | 604 | $ 113,837,000 | $ 188,471 | $ 103,000 |
| El Paso, TX | 592 | $ 79,223,000 | $ 133,822 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 592 | $ 111,588,000 | $ 188,493 | $ 106,165 |
| Los Angeles-Long Beach-Glendale, CA | 581 | $ 145,756,000 | $ 250,870 | $ 130,000 |
| Pensacola-Ferry Pass-Brent, FL | 528 | $ 85,845,000 | $ 162,585 | $ 82,000 |
| Clarksville, TN-KY | 525 | $ 67,639,000 | $ 128,836 | $ 73,554 |
| Charleston-North Charleston-Summerville, SC | 524 | $ 95,166,000 | $ 181,614 | $ 91,000 |
| Columbia, SC | 508 | $ 75,984,000 | $ 149,574 | $ 82,000 |
| Orlando-Kissimmee, FL | 494 | $ 85,975,000 | $ 174,038 | $ 95,000 |
| Camden, NJ | 493 | $ 97,542,000 | $ 197,853 | $ 100,000 |
| New York-White Plains-Wayne, NY-NJ | 492 | $ 124,427,000 | $ 252,900 | $ 121,191 |
| New Orleans-Metairie-Kenner, LA | 479 | $ 82,157,000 | $ 171,517 | $ 96,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 476 | $ 82,713,000 | $ 173,766 | $ 93,000 |
| Augusta-Richmond County, GA-SC | 474 | $ 67,104,000 | $ 141,569 | $ 81,417 |
| Bethesda-Frederick-Gaithersburg, MD | 416 | $ 109,322,000 | $ 262,793 | $ 121,000 |
| Honolulu, HI | 416 | $ 134,150,000 | $ 322,475 | $ 111,000 |
| Edison-New Brunswick, NJ | 410 | $ 95,355,000 | $ 232,573 | $ 122,000 |
| Little Rock-North Little Rock-Conway, AR | 393 | $ 53,616,000 | $ 136,427 | $ 80,000 |
| Dayton, OH | 390 | $ 55,046,000 | $ 141,143 | $ 85,000 |
| Jacksonville, NC | 387 | $ 59,338,000 | $ 153,328 | $ 69,000 |
| Savannah, GA | 387 | $ 69,829,000 | $ 180,436 | $ 80,000 |
| Indianapolis-Carmel, IN | 372 | $ 53,483,000 | $ 143,771 | $ 88,000 |
| Memphis, TN-MS-AR | 372 | $ 58,216,000 | $ 156,494 | $ 94,956 |
| Huntsville, AL | 371 | $ 65,167,000 | $ 175,652 | $ 103,000 |
| Newark-Union, NJ-PA | 364 | $ 89,026,000 | $ 244,576 | $ 151,846 |
| Anchorage, AK | 354 | $ 80,452,000 | $ 227,265 | $ 110,000 |
| Omaha-Council Bluffs, NE-IA | 354 | $ 51,937,000 | $ 146,714 | $ 94,734 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 345 | $ 71,155,000 | $ 206,246 | $ 110,000 |
| Pittsburgh, PA | 338 | $ 46,483,000 | $ 137,523 | $ 99,000 |
| Columbus, GA-AL | 336 | $ 51,736,000 | $ 153,976 | $ 78,857 |
| Cincinnati-Middletown, OH-KY-IN | 330 | $ 50,739,000 | $ 153,754 | $ 99,012 |
| Olympia, WA | 321 | $ 74,081,000 | $ 230,781 | $ 93,000 |
| Ogden-Clearfield, UT | 313 | $ 57,836,000 | $ 184,779 | $ 82,000 |
| Louisville-Jefferson County, KY-IN | 307 | $ 46,977,000 | $ 153,019 | $ 89,019 |
| Providence-New Bedford-Fall River, RI-MA | 306 | $ 64,916,000 | $ 212,143 | $ 111,385 |
| Miami-Miami Beach-Kendall, FL | 305 | $ 63,746,000 | $ 209,003 | $ 109,000 |
| Santa Ana-Anaheim-Irvine, CA | 304 | $ 75,775,000 | $ 249,259 | $ 148,000 |
| Birmingham-Hoover, AL | 303 | $ 48,570,000 | $ 160,297 | $ 89,000 |
| Columbus, OH | 300 | $ 47,498,000 | $ 158,326 | $ 101,000 |
| Montgomery, AL | 295 | $ 45,602,000 | $ 154,583 | $ 85,000 |
| Tulsa, OK | 293 | $ 41,611,000 | $ 142,017 | $ 100,000 |
| Fort Walton Beach-Crestview-Destin, FL | 279 | $ 52,508,000 | $ 188,200 | $ 87,000 |
| Oakland-Fremont-Hayward, CA | 278 | $ 73,608,000 | $ 264,776 | $ 143,000 |
| Nassau-Suffolk, NY | 276 | $ 64,947,000 | $ 235,315 | $ 138,000 |
| Palm Bay-Melbourne-Titusville, FL | 275 | $ 45,374,000 | $ 164,996 | $ 89,000 |
| Boise City-Nampa, ID | 273 | $ 49,586,000 | $ 181,633 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 271 | $ 56,503,000 | $ 208,498 | $ 110,000 |
| Corpus Christi, TX | 266 | $ 36,706,000 | $ 137,992 | $ 92,000 |
| Salt Lake City, UT | 266 | $ 54,027,000 | $ 203,109 | $ 101,000 |
| Hinesville-Fort Stewart, GA | 263 | $ 32,239,000 | $ 122,581 | $ 70,000 |
| Spokane, WA | 262 | $ 45,220,000 | $ 172,595 | $ 81,000 |
| Warren-Troy-Farmington Hills, MI | 253 | $ 40,720,000 | $ 160,948 | $ 102,000 |
| Warner Robins, GA | 252 | $ 36,609,000 | $ 145,273 | $ 75,000 |
| Bremerton-Silverdale, WA | 250 | $ 53,551,000 | $ 214,204 | $ 95,000 |
| Wichita, KS | 249 | $ 33,657,000 | $ 135,168 | $ 78,000 |
| Baton Rouge, LA | 247 | $ 39,805,000 | $ 161,153 | $ 95,000 |
| Boston-Quincy, MA | 238 | $ 59,196,000 | $ 248,722 | $ 129,000 |
| Cambridge-Newton-Framingham, MA | 225 | $ 56,525,000 | $ 251,222 | $ 127,000 |
| Portland-South Portland-Biddeford, ME | 224 | $ 44,482,000 | $ 198,580 | $ 105,000 |
| Lawton, OK | 222 | $ 26,616,000 | $ 119,891 | $ 72,000 |
| Knoxville, TN | 218 | $ 33,166,000 | $ 152,137 | $ 86,000 |
| Shreveport-Bossier City, LA | 210 | $ 32,076,000 | $ 152,742 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 206 | $ 36,759,000 | $ 178,441 | $ 102,000 |
| Durham, NC | 201 | $ 37,037,000 | $ 184,263 | $ 110,000 |
| Greenville-Mauldin-Easley, SC | 197 | $ 29,586,000 | $ 150,182 | $ 88,000 |
| Vallejo-Fairfield, CA | 195 | $ 51,944,000 | $ 266,379 | $ 98,000 |
| Abilene, TX | 181 | $ 21,905,000 | $ 121,022 | $ 80,000 |
| Wilmington, DE-MD-NJ | 181 | $ 35,499,000 | $ 196,127 | $ 104,038 |
| Asheville, NC | 180 | $ 33,339,000 | $ 185,216 | $ 98,000 |
| Harrisburg-Carlisle, PA | 180 | $ 31,700,000 | $ 176,111 | $ 98,000 |
| Rockingham County-Strafford County, NH | 180 | $ 33,725,000 | $ 187,361 | $ 107,000 |
| Cleveland-Elyria-Mentor, OH | 179 | $ 23,131,000 | $ 129,223 | $ 88,000 |
| Mobile, AL | 172 | $ 21,279,000 | $ 123,715 | $ 74,000 |
| Albany-Schenectady-Troy, NY | 171 | $ 28,939,000 | $ 169,233 | $ 96,000 |
| Milwaukee-Waukesha-West Allis, WI | 169 | $ 29,296,000 | $ 173,349 | $ 98,000 |
| Lake County-Kenosha County, IL-WI | 165 | $ 33,022,000 | $ 200,133 | $ 103,636 |
| Provo-Orem, UT | 163 | $ 30,632,000 | $ 187,926 | $ 93,000 |
| Gulfport-Biloxi, MS | 162 | $ 23,510,000 | $ 145,123 | $ 82,000 |
| Fort Collins-Loveland, CO | 161 | $ 30,234,000 | $ 187,788 | $ 104,000 |
| College Station-Bryan, TX | 160 | $ 22,732,000 | $ 142,075 | $ 107,000 |
| Boulder, CO | 159 | $ 38,874,000 | $ 244,490 | $ 118,000 |
| Charlottesville, VA | 159 | $ 36,325,000 | $ 228,459 | $ 104,000 |
| Greensboro-High Point, NC | 158 | $ 23,176,000 | $ 146,683 | $ 97,000 |
| Wilmington, NC | 157 | $ 27,034,000 | $ 172,191 | $ 100,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 154 | $ 27,480,000 | $ 178,441 | $ 94,168 |
| Sumter, SC | 154 | $ 21,625,000 | $ 140,422 | $ 70,000 |
| New Haven-Milford, CT | 150 | $ 29,263,000 | $ 195,086 | $ 110,000 |
| Valdosta, GA | 143 | $ 21,517,000 | $ 150,468 | $ 67,000 |
| Bradenton-Sarasota-Venice, FL | 142 | $ 24,577,000 | $ 173,077 | $ 103,000 |
| Cape Coral-Fort Myers, FL | 139 | $ 24,274,000 | $ 174,633 | $ 100,000 |
| Las Cruces, NM | 138 | $ 21,938,000 | $ 158,971 | $ 89,000 |
| Reno-Sparks, NV | 138 | $ 28,450,000 | $ 206,159 | $ 118,000 |
| Norwich-New London, CT | 135 | $ 26,393,000 | $ 195,503 | $ 107,000 |
| Bridgeport-Stamford-Norwalk, CT | 132 | $ 33,325,000 | $ 252,462 | $ 140,000 |
| Detroit-Livonia-Dearborn, MI | 130 | $ 14,024,000 | $ 107,876 | $ 86,000 |
| Wichita Falls, TX | 130 | $ 16,034,000 | $ 123,338 | $ 73,000 |
| Worcester, MA | 130 | $ 28,228,000 | $ 217,138 | $ 110,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 129 | $ 19,899,000 | $ 154,255 | $ 101,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 129 | $ 30,737,000 | $ 238,271 | $ 104,000 |
| Elizabethtown, KY | 127 | $ 18,958,000 | $ 149,275 | $ 78,000 |
| Manchester-Nashua, NH | 127 | $ 25,596,000 | $ 201,543 | $ 107,000 |
| Panama City-Lynn Haven, FL | 127 | $ 22,520,000 | $ 177,322 | $ 93,000 |
| Dover, DE | 124 | $ 23,223,000 | $ 187,282 | $ 85,000 |
| San Francisco-San Mateo-Redwood City, CA | 124 | $ 32,951,000 | $ 265,733 | $ 163,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 122 | $ 29,928,000 | $ 245,311 | $ 148,000 |
| San Angelo, TX | 120 | $ 14,172,000 | $ 118,100 | $ 70,000 |
| Buffalo-Niagara Falls, NY | 119 | $ 13,241,000 | $ 111,268 | $ 82,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 119 | $ 29,581,000 | $ 248,579 | $ 116,000 |
| York-Hanover, PA | 119 | $ 19,682,000 | $ 165,394 | $ 91,000 |
| Bakersfield, CA | 114 | $ 20,372,000 | $ 178,701 | $ 97,000 |
| Hagerstown-Martinsburg, MD-WV | 113 | $ 23,311,000 | $ 206,292 | $ 97,628 |
| Lexington-Fayette, KY | 112 | $ 17,606,000 | $ 157,196 | $ 94,000 |
| Chattanooga, TN-GA | 110 | $ 17,021,000 | $ 154,736 | $ 87,136 |
| Jackson, MS | 110 | $ 13,051,000 | $ 118,645 | $ 94,000 |
| Peabody, MA | 109 | $ 26,632,000 | $ 244,330 | $ 134,000 |
| Prescott, AZ | 108 | $ 21,765,000 | $ 201,527 | $ 99,000 |
| Salem, OR | 108 | $ 17,721,000 | $ 164,083 | $ 87,000 |
| Fresno, CA | 107 | $ 21,509,000 | $ 201,018 | $ 103,000 |
| Lakeland-Winter Haven, FL | 107 | $ 15,575,000 | $ 145,560 | $ 82,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 106 | $ 14,970,000 | $ 141,226 | $ 88,150 |
| Port St. Lucie, FL | 104 | $ 15,319,000 | $ 147,298 | $ 103,000 |
| Rochester, NY | 104 | $ 13,865,000 | $ 133,317 | $ 103,000 |
| Madison, WI | 102 | $ 20,045,000 | $ 196,519 | $ 90,000 |
| Springfield, MO | 102 | $ 12,659,000 | $ 124,107 | $ 76,000 |
| Springfield, MA | 100 | $ 17,781,000 | $ 177,810 | $ 84,000 |
| Santa Fe, NM | 99 | $ 19,806,000 | $ 200,060 | $ 111,000 |
| Auburn-Opelika, AL | 96 | $ 15,048,000 | $ 156,750 | $ 86,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 95 | $ 14,670,000 | $ 154,421 | $ 91,000 |
| Cheyenne, WY | 93 | $ 15,271,000 | $ 164,204 | $ 79,000 |
| Barnstable Town, MA | 92 | $ 20,249,000 | $ 220,097 | $ 111,000 |
| Fairbanks, AK | 92 | $ 17,650,000 | $ 191,847 | $ 95,000 |
| Gainesville, FL | 92 | $ 15,092,000 | $ 164,043 | $ 106,000 |
| Beaumont-Port Arthur, TX | 91 | $ 9,582,000 | $ 105,296 | $ 73,000 |
| Pascagoula, MS | 89 | $ 12,709,000 | $ 142,797 | $ 87,000 |
| Scranton--Wilkes-Barre, PA | 89 | $ 13,561,000 | $ 152,370 | $ 95,000 |
| Tallahassee, FL | 89 | $ 13,289,000 | $ 149,314 | $ 89,000 |
| Yuma, AZ | 89 | $ 16,695,000 | $ 187,584 | $ 84,000 |
| Stockton, CA | 87 | $ 17,459,000 | $ 200,678 | $ 93,000 |
| Syracuse, NY | 85 | $ 11,127,000 | $ 130,905 | $ 103,000 |
| Flagstaff, AZ | 82 | $ 19,399,000 | $ 236,573 | $ 101,000 |
| Tyler, TX | 82 | $ 11,720,000 | $ 142,926 | $ 81,000 |
| Bellingham, WA | 79 | $ 16,775,000 | $ 212,341 | $ 86,000 |
| Charleston, WV | 79 | $ 9,615,000 | $ 121,708 | $ 76,000 |
| Davenport-Moline-Rock Island, IA-IL | 79 | $ 12,017,000 | $ 152,113 | $ 98,987 |
| Santa Rosa-Petaluma, CA | 79 | $ 20,786,000 | $ 263,113 | $ 128,000 |
| Winston-Salem, NC | 79 | $ 11,465,000 | $ 145,126 | $ 84,000 |
| Lubbock, TX | 78 | $ 8,417,000 | $ 107,910 | $ 87,000 |
| Waco, TX | 78 | $ 8,779,000 | $ 112,551 | $ 93,000 |
| Burlington-South Burlington, VT | 77 | $ 15,435,000 | $ 200,454 | $ 99,000 |
| Gary, IN | 76 | $ 12,231,000 | $ 160,934 | $ 74,000 |
| Kennewick-Pasco-Richland, WA | 75 | $ 14,279,000 | $ 190,386 | $ 105,000 |
| Roanoke, VA | 75 | $ 13,617,000 | $ 181,560 | $ 102,000 |
| Trenton-Ewing, NJ | 75 | $ 15,364,000 | $ 204,853 | $ 121,000 |
| Great Falls, MT | 74 | $ 11,509,000 | $ 155,527 | $ 67,000 |
| Spartanburg, SC | 74 | $ 10,039,000 | $ 135,662 | $ 86,000 |
| Toledo, OH | 74 | $ 9,014,000 | $ 121,810 | $ 76,000 |
| Goldsboro, NC | 73 | $ 9,549,000 | $ 130,808 | $ 68,000 |
| Yuba City, CA | 73 | $ 13,391,000 | $ 183,438 | $ 74,000 |
| Bend, OR | 72 | $ 15,786,000 | $ 219,250 | $ 113,000 |
| Dothan, AL | 72 | $ 10,088,000 | $ 140,111 | $ 72,000 |
| Eugene-Springfield, OR | 72 | $ 14,510,000 | $ 201,527 | $ 97,000 |
| McAllen-Edinburg-Mission, TX | 72 | $ 8,796,000 | $ 122,166 | $ 90,000 |
| Ann Arbor, MI | 71 | $ 11,811,000 | $ 166,352 | $ 98,000 |
| Atlantic City-Hammonton, NJ | 70 | $ 13,489,000 | $ 192,700 | $ 102,000 |
| Lynchburg, VA | 70 | $ 9,762,000 | $ 139,457 | $ 80,000 |
| Ocean City, NJ | 70 | $ 13,536,000 | $ 193,371 | $ 109,000 |
| Rapid City, SD | 70 | $ 11,691,000 | $ 167,014 | $ 77,000 |
| Akron, OH | 68 | $ 10,584,000 | $ 155,647 | $ 91,000 |
| Brownsville-Harlingen, TX | 68 | $ 8,249,000 | $ 121,308 | $ 88,000 |
| Grand Rapids-Wyoming, MI | 67 | $ 8,634,000 | $ 128,865 | $ 85,000 |
| Athens-Clarke County, GA | 65 | $ 9,374,000 | $ 144,215 | $ 99,000 |
| Lafayette, LA | 65 | $ 10,029,000 | $ 154,292 | $ 87,000 |
| Lansing-East Lansing, MI | 65 | $ 10,334,000 | $ 158,984 | $ 90,000 |
| Des Moines-West Des Moines, IA | 64 | $ 8,596,000 | $ 134,312 | $ 99,000 |
| Duluth, MN-WI | 64 | $ 9,494,000 | $ 148,343 | $ 75,062 |
| Hattiesburg, MS | 64 | $ 9,006,000 | $ 140,718 | $ 84,000 |
| Ocala, FL | 64 | $ 10,258,000 | $ 160,281 | $ 82,000 |
| Youngstown-Warren-Boardman, OH-PA | 64 | $ 7,042,000 | $ 110,031 | $ 81,812 |
| Amarillo, TX | 63 | $ 7,703,000 | $ 122,269 | $ 87,000 |
| Lancaster, PA | 61 | $ 9,654,000 | $ 158,262 | $ 120,000 |
| Blacksburg-Christiansburg-Radford, VA | 60 | $ 11,515,000 | $ 191,916 | $ 107,000 |
| Salinas, CA | 59 | $ 15,113,000 | $ 256,152 | $ 117,000 |
| Fort Smith, AR-OK | 58 | $ 7,536,000 | $ 129,931 | $ 89,068 |
| Peoria, IL | 58 | $ 8,185,000 | $ 141,120 | $ 90,000 |
| South Bend-Mishawaka, IN-MI | 58 | $ 6,689,000 | $ 115,327 | $ 87,724 |
| Bangor, ME | 57 | $ 8,626,000 | $ 151,333 | $ 106,000 |
| Macon, GA | 57 | $ 8,223,000 | $ 144,263 | $ 84,000 |
| Grand Junction, CO | 56 | $ 10,050,000 | $ 179,464 | $ 90,000 |
| Greeley, CO | 56 | $ 11,588,000 | $ 206,928 | $ 93,000 |
| Johnson City, TN | 56 | $ 7,911,000 | $ 141,267 | $ 77,000 |
| Lake Charles, LA | 56 | $ 7,197,000 | $ 128,517 | $ 88,000 |
| Billings, MT | 55 | $ 9,229,000 | $ 167,800 | $ 98,000 |
| Winchester, VA-WV | 55 | $ 11,025,000 | $ 200,454 | $ 105,963 |
| Columbia, MO | 54 | $ 7,323,000 | $ 135,611 | $ 89,000 |
| Hickory-Lenoir-Morganton, NC | 54 | $ 7,501,000 | $ 138,907 | $ 85,000 |
| Naples-Marco Island, FL | 54 | $ 10,493,000 | $ 194,314 | $ 129,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 54 | $ 12,484,000 | $ 231,185 | $ 94,000 |
| Coeur D'Alene, ID | 53 | $ 9,663,000 | $ 182,320 | $ 99,000 |
| Albany, GA | 52 | $ 6,535,000 | $ 125,673 | $ 80,000 |
| Anniston-Oxford, AL | 52 | $ 5,876,000 | $ 113,000 | $ 84,000 |
| Greenville, NC | 52 | $ 6,911,000 | $ 132,903 | $ 79,000 |
| Hanford-Corcoran, CA | 52 | $ 10,200,000 | $ 196,153 | $ 94,000 |
| Hot Springs, AR | 52 | $ 7,277,000 | $ 139,942 | $ 93,000 |
| Tuscaloosa, AL | 52 | $ 7,080,000 | $ 136,153 | $ 79,000 |
| Brunswick, GA | 51 | $ 10,457,000 | $ 205,039 | $ 115,000 |
| Reading, PA | 51 | $ 8,524,000 | $ 167,137 | $ 103,000 |
| Florence, SC | 50 | $ 6,968,000 | $ 139,360 | $ 80,000 |
| Medford, OR | 50 | $ 10,901,000 | $ 218,020 | $ 86,000 |
| Pueblo, CO | 49 | $ 7,134,000 | $ 145,591 | $ 81,000 |
| State College, PA | 49 | $ 8,646,000 | $ 176,448 | $ 92,000 |
| Topeka, KS | 49 | $ 6,662,000 | $ 135,959 | $ 84,000 |
| Fort Wayne, IN | 48 | $ 4,848,000 | $ 101,000 | $ 68,000 |
| Lake Havasu City-Kingman, AZ | 48 | $ 7,919,000 | $ 164,979 | $ 107,000 |
| Lincoln, NE | 48 | $ 6,035,000 | $ 125,729 | $ 74,000 |
| Alexandria, LA | 47 | $ 6,875,000 | $ 146,276 | $ 88,000 |
| Huntington-Ashland, WV-KY-OH | 47 | $ 5,372,000 | $ 114,297 | $ 77,191 |
| San Luis Obispo-Paso Robles, CA | 47 | $ 10,574,000 | $ 224,978 | $ 89,000 |
| St. George, UT | 46 | $ 9,570,000 | $ 208,043 | $ 98,000 |
| Houma-Bayou Cane-Thibodaux, LA | 45 | $ 7,016,000 | $ 155,911 | $ 88,000 |
| Longview, TX | 45 | $ 5,314,000 | $ 118,088 | $ 79,000 |
| Mount Vernon-Anacortes, WA | 45 | $ 9,032,000 | $ 200,711 | $ 101,000 |
| Bloomington, IN | 44 | $ 7,061,000 | $ 160,477 | $ 82,000 |
| Visalia-Porterville, CA | 44 | $ 7,184,000 | $ 163,272 | $ 93,000 |
| Champaign-Urbana, IL | 43 | $ 5,660,000 | $ 131,627 | $ 77,000 |
| Kingsport-Bristol-Bristol, TN-VA | 43 | $ 5,475,000 | $ 127,325 | $ 87,209 |
| Gainesville, GA | 42 | $ 7,564,000 | $ 180,095 | $ 109,000 |
| Midland, TX | 42 | $ 7,125,000 | $ 169,642 | $ 157,000 |
| Anderson, SC | 41 | $ 6,703,000 | $ 163,487 | $ 77,000 |
| Kalamazoo-Portage, MI | 41 | $ 6,369,000 | $ 155,341 | $ 122,000 |
| Missoula, MT | 41 | $ 6,998,000 | $ 170,682 | $ 78,000 |
| Modesto, CA | 41 | $ 7,473,000 | $ 182,268 | $ 109,000 |
| Yakima, WA | 40 | $ 6,311,000 | $ 157,775 | $ 91,000 |
| Merced, CA | 39 | $ 6,120,000 | $ 156,923 | $ 97,000 |
| Morgantown, WV | 38 | $ 5,760,000 | $ 151,578 | $ 98,000 |
| Evansville, IN-KY | 37 | $ 5,351,000 | $ 144,621 | $ 93,783 |
| Binghamton, NY | 35 | $ 5,034,000 | $ 143,828 | $ 82,000 |
| Farmington, NM | 33 | $ 5,784,000 | $ 175,272 | $ 92,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 33 | $ 3,663,000 | $ 111,000 | $ 77,060 |
| Redding, CA | 33 | $ 6,110,000 | $ 185,151 | $ 111,000 |
| Rockford, IL | 33 | $ 4,827,000 | $ 146,272 | $ 79,000 |
| Sherman-Denison, TX | 33 | $ 4,193,000 | $ 127,060 | $ 94,000 |
| Victoria, TX | 33 | $ 5,322,000 | $ 161,272 | $ 130,000 |
| Wenatchee, WA | 33 | $ 6,784,000 | $ 205,575 | $ 100,000 |
| Idaho Falls, ID | 32 | $ 5,240,000 | $ 163,750 | $ 138,000 |
| Lawrence, KS | 32 | $ 5,227,000 | $ 163,343 | $ 80,000 |
| Chico, CA | 31 | $ 6,624,000 | $ 213,677 | $ 81,000 |
| Lafayette, IN | 31 | $ 4,172,000 | $ 134,580 | $ 76,000 |
| St. Joseph, MO-KS | 30 | $ 4,217,000 | $ 140,566 | $ 83,766 |
| Decatur, AL | 29 | $ 3,913,000 | $ 134,931 | $ 83,000 |
| Flint, MI | 29 | $ 3,965,000 | $ 136,724 | $ 72,000 |
| Lebanon, PA | 29 | $ 4,735,000 | $ 163,275 | $ 84,000 |
| Palm Coast, FL | 29 | $ 5,238,000 | $ 180,620 | $ 109,000 |
| Sebastian-Vero Beach, FL | 29 | $ 4,534,000 | $ 156,344 | $ 132,000 |
| Springfield, IL | 29 | $ 3,593,000 | $ 123,896 | $ 79,000 |
| Utica-Rome, NY | 29 | $ 3,320,000 | $ 114,482 | $ 78,000 |
| Corvallis, OR | 28 | $ 5,688,000 | $ 203,142 | $ 96,000 |
| Green Bay, WI | 28 | $ 3,703,000 | $ 132,250 | $ 87,000 |
| Terre Haute, IN | 28 | $ 3,528,000 | $ 126,000 | $ 71,000 |
| Canton-Massillon, OH | 27 | $ 3,190,000 | $ 118,148 | $ 75,000 |
| Laredo, TX | 27 | $ 3,706,000 | $ 137,259 | $ 85,000 |
| Logan, UT-ID | 27 | $ 3,952,000 | $ 146,370 | $ 65,555 |
| Fargo, ND-MN | 26 | $ 3,545,000 | $ 136,346 | $ 91,692 |
| Harrisonburg, VA | 26 | $ 4,045,000 | $ 155,576 | $ 96,000 |
| Pittsfield, MA | 26 | $ 4,378,000 | $ 168,384 | $ 111,000 |
| Rochester, MN | 26 | $ 3,896,000 | $ 149,846 | $ 103,000 |
| Springfield, OH | 26 | $ 3,009,000 | $ 115,730 | $ 82,000 |
| Vineland-Millville-Bridgeton, NJ | 26 | $ 3,976,000 | $ 152,923 | $ 82,000 |
| Burlington, NC | 25 | $ 4,042,000 | $ 161,680 | $ 79,000 |
| Kingston, NY | 25 | $ 5,087,000 | $ 203,480 | $ 103,000 |
| Salisbury, MD | 25 | $ 3,985,000 | $ 159,400 | $ 105,000 |
| Santa Cruz-Watsonville, CA | 25 | $ 6,094,000 | $ 243,760 | $ 115,000 |
| Appleton, WI | 24 | $ 3,798,000 | $ 158,250 | $ 96,000 |
| Cedar Rapids, IA | 24 | $ 2,720,000 | $ 113,333 | $ 94,000 |
| Grand Forks, ND-MN | 24 | $ 3,454,000 | $ 143,916 | $ 80,541 |
| Jefferson City, MO | 24 | $ 2,755,000 | $ 114,791 | $ 68,000 |
| Joplin, MO | 24 | $ 2,453,000 | $ 102,208 | $ 71,000 |
| Eau Claire, WI | 23 | $ 3,120,000 | $ 135,652 | $ 343,000 |
| Erie, PA | 23 | $ 2,745,000 | $ 119,347 | $ 93,000 |
| Pocatello, ID | 23 | $ 2,856,000 | $ 124,173 | $ 114,000 |
| Punta Gorda, FL | 23 | $ 3,424,000 | $ 148,869 | $ 68,000 |
| St. Cloud, MN | 23 | $ 4,048,000 | $ 176,000 | $ 83,000 |
| Altoona, PA | 22 | $ 3,120,000 | $ 141,818 | $ 133,000 |
| Racine, WI | 22 | $ 3,588,000 | $ 163,090 | $ 100,000 |
| Sioux Falls, SD | 22 | $ 2,831,000 | $ 128,681 | $ 100,000 |
| Wheeling, WV-OH | 22 | $ 2,870,000 | $ 130,454 | $ 77,818 |
| Bloomington-Normal, IL | 21 | $ 3,546,000 | $ 168,857 | $ 88,000 |
| Columbus, IN | 21 | $ 3,659,000 | $ 174,238 | $ 116,000 |
| Florence-Muscle Shoals, AL | 21 | $ 2,187,000 | $ 104,142 | $ 89,000 |
| Glens Falls, NY | 21 | $ 3,161,000 | $ 150,523 | $ 127,000 |
| Niles-Benton Harbor, MI | 21 | $ 3,293,000 | $ 156,809 | $ 87,000 |
| Texarkana, Tx-Texarkana, AR | 21 | $ 2,180,000 | $ 103,809 | $ 82,285 |
| Holland-Grand Haven, MI | 20 | $ 2,781,000 | $ 139,050 | $ 85,000 |
| Lewiston, ID-WA | 20 | $ 2,313,000 | $ 115,650 | $ 80,250 |
| Napa, CA | 20 | $ 5,204,000 | $ 260,200 | $ 145,000 |
| Battle Creek, MI | 19 | $ 1,998,000 | $ 105,157 | $ 77,000 |
| Iowa City, IA | 19 | $ 2,906,000 | $ 152,947 | $ 97,000 |
| Monroe, LA | 19 | $ 2,099,000 | $ 110,473 | $ 74,000 |
| Ames, IA | 18 | $ 2,564,000 | $ 142,444 | $ 81,000 |
| Bismarck, ND | 18 | $ 2,516,000 | $ 139,777 | $ 85,000 |
| El Centro, CA | 18 | $ 2,396,000 | $ 133,111 | $ 76,000 |
| Ithaca, NY | 18 | $ 2,445,000 | $ 135,833 | $ 92,000 |
| Johnstown, PA | 18 | $ 2,111,000 | $ 117,277 | $ 72,000 |
| Casper, WY | 17 | $ 3,425,000 | $ 201,470 | $ 111,000 |
| Decatur, IL | 17 | $ 1,782,000 | $ 104,823 | $ 98,000 |
| Lewiston-Auburn, ME | 17 | $ 2,636,000 | $ 155,058 | $ 73,000 |
| Rocky Mount, NC | 17 | $ 2,548,000 | $ 149,882 | $ 88,000 |
| Waterloo-Cedar Falls, IA | 17 | $ 2,665,000 | $ 156,764 | $ 87,000 |
| Williamsport, PA | 17 | $ 2,454,000 | $ 144,352 | $ 104,000 |
| Bowling Green, KY | 16 | $ 1,752,000 | $ 109,500 | $ 96,000 |
| Cleveland, TN | 16 | $ 2,385,000 | $ 149,062 | $ 70,000 |
| Jonesboro, AR | 16 | $ 1,996,000 | $ 124,750 | $ 86,000 |
| Cumberland, MD-WV | 15 | $ 2,213,000 | $ 147,533 | $ 75,933 |
| Jackson, TN | 15 | $ 1,818,000 | $ 121,200 | $ 101,000 |
| La Crosse, WI-MN | 15 | $ 2,816,000 | $ 187,733 | $ 89,533 |
| Muskegon-Norton Shores, MI | 15 | $ 1,811,000 | $ 120,733 | $ 68,000 |
| Carson City, NV | 14 | $ 3,297,000 | $ 235,500 | $ 101,000 |
| Gadsden, AL | 14 | $ 1,989,000 | $ 142,071 | $ 79,000 |
| Jackson, MI | 14 | $ 1,441,000 | $ 102,928 | $ 78,000 |
| Madera, CA | 14 | $ 2,746,000 | $ 196,142 | $ 98,000 |
| Odessa, TX | 14 | $ 1,411,000 | $ 100,785 | $ 60,000 |
| Sioux City, IA-NE-SD | 14 | $ 1,018,000 | $ 72,714 | $ 63,142 |
| Janesville, WI | 13 | $ 1,312,000 | $ 100,923 | $ 74,000 |
| Longview, WA | 12 | $ 2,321,000 | $ 193,416 | $ 118,000 |
| Morristown, TN | 12 | $ 1,511,000 | $ 125,916 | $ 114,000 |
| Oshkosh-Neenah, WI | 12 | $ 1,511,000 | $ 125,916 | $ 71,000 |
| Owensboro, KY | 12 | $ 1,148,000 | $ 95,666 | $ 64,000 |
| Saginaw-Saginaw Township North, MI | 12 | $ 1,099,000 | $ 91,583 | $ 81,000 |
| Fond Du Lac, WI | 11 | $ 1,369,000 | $ 124,454 | $ 84,000 |
| Monroe, MI | 11 | $ 1,826,000 | $ 166,000 | $ 85,000 |
| Pine Bluff, AR | 11 | $ 1,007,000 | $ 91,545 | $ 80,000 |
| Rome, GA | 11 | $ 1,282,000 | $ 116,545 | $ 95,000 |
| Kankakee-Bradley, IL | 10 | $ 1,328,000 | $ 132,800 | $ 87,000 |
| Kokomo, IN | 10 | $ 1,337,000 | $ 133,700 | $ 110,000 |
| Sheboygan, WI | 10 | $ 1,652,000 | $ 165,200 | $ 102,000 |
| Wausau, WI | 10 | $ 1,330,000 | $ 133,000 | $ 68,000 |
| Weirton-Steubenville, WV-OH | 10 | $ 820,000 | $ 82,000 | $ 81,100 |
| Anderson, IN | 9 | $ 641,000 | $ 71,222 | $ 59,000 |
| Lima, OH | 9 | $ 1,071,000 | $ 119,000 | $ 61,000 |
| Dalton, GA | 8 | $ 834,000 | $ 104,250 | $ 71,000 |
| Danville, VA | 8 | $ 1,230,000 | $ 153,750 | $ 102,000 |
| Elmira, NY | 8 | $ 572,000 | $ 71,500 | $ 81,000 |
| Elkhart-Goshen, IN | 7 | $ 918,000 | $ 131,142 | $ 101,000 |
| Michigan City-La Porte, IN | 6 | $ 868,000 | $ 144,666 | $ 93,000 |
| Muncie, IN | 6 | $ 570,000 | $ 95,000 | $ 54,000 |
| Dubuque, IA | 5 | $ 567,000 | $ 113,400 | $ 71,000 |
| Mansfield, OH | 5 | $ 508,000 | $ 101,600 | $ 76,000 |
| Sandusky, OH | 5 | $ 539,000 | $ 107,800 | $ 85,000 |
| Bay City, MI | 4 | $ 294,000 | $ 73,500 | $ 43,000 |
| Danville, IL | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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