USAA Federal Savings Bank Mortgage Lending & HMDA Data, 2016

In 2016, USAA Federal Savings Bank of San Antonio, TX reported 125,563 mortgage applications totaling $29.1 billion, up 51% from 2015. The average application was for $231,700, and applicants reported an average income of $86,382. 53% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (4,447), Atlanta-Sandy Springs-Roswell, GA (4,103) and San Antonio-New Braunfels, TX (3,378) (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 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 125,563
Total Mortgage Loan Application Amount $29,092,974,000
Average Mortgage Loan Application Amount $231,700
Highest Mortgage Loan Application Amount $2,017,000
Average Applicant Income $86,382
Highest Applicant Income $6,299,000

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records USAA Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2016

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 4,447 $ 1,664,223,000 $ 374,234 $ 110,864
Atlanta-Sandy Springs-Roswell, GA 4,103 $ 863,158,000 $ 210,372 $ 87,000
San Antonio-New Braunfels, TX 3,378 $ 715,138,000 $ 211,704 $ 78,000
Phoenix-Mesa-Scottsdale, AZ 2,945 $ 673,435,000 $ 228,670 $ 82,000
Houston-The Woodlands-Sugar Land, TX 2,539 $ 570,250,000 $ 224,596 $ 97,000
Tampa-St. Petersburg-Clearwater, FL 2,213 $ 489,226,000 $ 221,069 $ 84,000
Denver-Aurora-Lakewood, CO 1,980 $ 573,078,000 $ 289,433 $ 95,000
Dallas-Plano-Irving, TX 1,825 $ 434,055,000 $ 237,838 $ 97,000
Virginia Beach-Norfolk-Newport News, VA-NC 1,672 $ 421,841,000 $ 252,297 $ 74,355
Baltimore-Columbia-Towson, MD 1,654 $ 503,266,000 $ 304,272 $ 102,000
Colorado Springs, CO 1,471 $ 359,174,000 $ 244,169 $ 68,000
Fort Worth-Arlington, TX 1,365 $ 291,059,000 $ 213,230 $ 86,000
San Diego-Carlsbad, CA 1,353 $ 555,142,000 $ 410,304 $ 98,000
Las Vegas-Henderson-Paradise, NV 1,340 $ 316,141,000 $ 235,926 $ 82,000
New York-Jersey City-White Plains, NY-NJ 1,330 $ 415,805,000 $ 312,635 $ 113,836
Austin-Round Rock, TX 1,268 $ 301,615,000 $ 237,866 $ 95,000
Charlotte-Concord-Gastonia, NC-SC 1,259 $ 281,972,000 $ 223,965 $ 88,913
Portland-Vancouver-Hillsboro, OR-WA 1,228 $ 346,915,000 $ 282,504 $ 90,734
Riverside-San Bernardino-Ontario, CA 1,203 $ 344,662,000 $ 286,502 $ 84,000
Orlando-Kissimmee-Sanford, FL 1,197 $ 274,233,000 $ 229,100 $ 87,000
Seattle-Bellevue-Everett, WA 1,127 $ 378,316,000 $ 335,684 $ 107,000
Chicago-Naperville-Arlington Heights, IL 1,108 $ 260,163,000 $ 234,804 $ 97,000
Jacksonville, FL 1,064 $ 237,425,000 $ 223,143 $ 80,000
Minneapolis-St. Paul-Bloomington, MN-WI 1,048 $ 250,129,000 $ 238,672 $ 93,755
St. Louis, MO-IL 1,037 $ 197,517,000 $ 190,469 $ 84,403
Raleigh, NC 1,009 $ 236,377,000 $ 234,268 $ 90,000
Los Angeles-Long Beach-Glendale, CA 976 $ 380,979,000 $ 390,347 $ 106,000
Kansas City, MO-KS 957 $ 188,668,000 $ 197,145 $ 87,301
Fayetteville, NC 929 $ 146,886,000 $ 158,111 $ 55,000
Nashville-Davidson--Murfreesboro--Franklin, TN 900 $ 213,933,000 $ 237,703 $ 86,000
Oklahoma City, OK 890 $ 163,359,000 $ 183,549 $ 76,000
Charleston-North Charleston, SC 880 $ 202,608,000 $ 230,236 $ 77,000
Killeen-Temple, TX 876 $ 143,751,000 $ 164,099 $ 60,000
Tacoma-Lakewood, WA 860 $ 235,652,000 $ 274,013 $ 81,000
Sacramento--Roseville--Arden-Arcade, CA 797 $ 251,293,000 $ 315,298 $ 98,000
Tucson, AZ 762 $ 155,196,000 $ 203,669 $ 74,000
Richmond, VA 761 $ 188,387,000 $ 247,551 $ 93,000
Columbia, SC 737 $ 132,984,000 $ 180,439 $ 71,000
Albuquerque, NM 736 $ 154,567,000 $ 210,009 $ 81,000
Augusta-Richmond County, GA-SC 729 $ 133,286,000 $ 182,834 $ 67,477
Warren-Troy-Farmington Hills, MI 720 $ 141,411,000 $ 196,404 $ 90,000
Pensacola-Ferry Pass-Brent, FL 713 $ 140,728,000 $ 197,374 $ 76,000
Columbus, OH 660 $ 127,220,000 $ 192,757 $ 82,000
Cincinnati, OH-KY-IN 635 $ 124,025,000 $ 195,314 $ 88,601
Indianapolis-Carmel-Anderson, IN 621 $ 114,311,000 $ 184,075 $ 85,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 620 $ 164,779,000 $ 265,772 $ 96,000
Palm Bay-Melbourne-Titusville, FL 601 $ 130,897,000 $ 217,798 $ 84,000
New Orleans-Metairie, LA 598 $ 128,827,000 $ 215,429 $ 87,000
Clarksville, TN-KY 594 $ 97,499,000 $ 164,139 $ 54,124
Montgomery County-Bucks County-Chester County, PA 571 $ 155,968,000 $ 273,148 $ 114,000
Silver Spring-Frederick-Rockville, MD 567 $ 209,592,000 $ 369,650 $ 120,000
Omaha-Council Bluffs, NE-IA 565 $ 110,478,000 $ 195,536 $ 82,805
Memphis, TN-MS-AR 561 $ 107,772,000 $ 192,106 $ 86,381
Dayton, OH 555 $ 101,005,000 $ 181,990 $ 81,000
Camden, NJ 548 $ 118,233,000 $ 215,753 $ 88,000
Louisville/Jefferson County, KY-IN 532 $ 104,565,000 $ 196,550 $ 79,020
Pittsburgh, PA 521 $ 98,418,000 $ 188,902 $ 94,000
Newark, NJ-PA 517 $ 157,668,000 $ 304,967 $ 121,771
Anchorage, AK 515 $ 145,398,000 $ 282,326 $ 92,000
Crestview-Fort Walton Beach-Destin, FL 506 $ 117,195,000 $ 231,610 $ 76,000
El Paso, TX 506 $ 88,046,000 $ 174,003 $ 67,000
Birmingham-Hoover, AL 501 $ 100,890,000 $ 201,377 $ 82,000
Little Rock-North Little Rock-Conway, AR 491 $ 83,104,000 $ 169,254 $ 63,000
Providence-Warwick, RI-MA 491 $ 120,921,000 $ 246,274 $ 92,498
West Palm Beach-Boca Raton-Delray Beach, FL 482 $ 122,504,000 $ 254,157 $ 109,000
Cambridge-Newton-Framingham, MA 475 $ 169,137,000 $ 356,077 $ 123,000
Savannah, GA 474 $ 99,403,000 $ 209,710 $ 74,000
Miami-Miami Beach-Kendall, FL 461 $ 124,539,000 $ 270,149 $ 91,000
Boise City, ID 460 $ 98,931,000 $ 215,067 $ 78,000
Cleveland-Elyria, OH 459 $ 83,483,000 $ 181,880 $ 87,000
Huntsville, AL 440 $ 92,391,000 $ 209,979 $ 89,000
Greenville-Anderson-Mauldin, SC 438 $ 81,417,000 $ 185,883 $ 77,000
Hartford-West Hartford-East Hartford, CT 436 $ 100,307,000 $ 230,061 $ 101,000
Oakland-Hayward-Berkeley, CA 423 $ 177,462,000 $ 419,531 $ 117,000
Warner Robins, GA 423 $ 74,467,000 $ 176,044 $ 70,000
Philadelphia, PA 421 $ 92,120,000 $ 218,812 $ 95,000
Nassau County-Suffolk County, NY 417 $ 142,364,000 $ 341,400 $ 123,000
Olympia-Tumwater, WA 397 $ 103,444,000 $ 260,564 $ 75,000
Tulsa, OK 396 $ 70,627,000 $ 178,351 $ 84,000
Anaheim-Santa Ana-Irvine, CA 393 $ 174,863,000 $ 444,944 $ 113,000
Deltona-Daytona Beach-Ormond Beach, FL 384 $ 72,294,000 $ 188,265 $ 71,000
Spokane-Spokane Valley, WA 369 $ 81,857,000 $ 221,834 $ 79,000
Durham-Chapel Hill, NC 363 $ 87,073,000 $ 239,870 $ 97,000
Knoxville, TN 361 $ 69,991,000 $ 193,880 $ 78,000
Boston, MA 360 $ 124,797,000 $ 346,658 $ 111,000
North Port-Sarasota-Bradenton, FL 359 $ 86,143,000 $ 239,952 $ 93,000
Bremerton-Silverdale, WA 353 $ 100,358,000 $ 284,300 $ 84,000
Columbus, GA-AL 346 $ 61,089,000 $ 176,557 $ 62,919
Milwaukee-Waukesha-West Allis, WI 340 $ 73,271,000 $ 215,502 $ 87,000
Wichita, KS 338 $ 55,651,000 $ 164,647 $ 70,000
Montgomery, AL 334 $ 59,523,000 $ 178,212 $ 69,000
Buffalo-Cheektowaga-Niagara Falls, NY 316 $ 49,068,000 $ 155,278 $ 71,000
Detroit-Dearborn-Livonia, MI 310 $ 48,239,000 $ 155,609 $ 80,000
Ogden-Clearfield, UT 307 $ 72,914,000 $ 237,504 $ 76,000
Corpus Christi, TX 303 $ 60,449,000 $ 199,501 $ 79,000
Fayetteville-Springdale-Rogers, AR-MO 302 $ 58,108,000 $ 192,410 $ 105,841
Cape Coral-Fort Myers, FL 301 $ 62,356,000 $ 207,162 $ 87,000
Salt Lake City, UT 297 $ 76,316,000 $ 256,956 $ 91,000
Asheville, NC 289 $ 61,180,000 $ 211,695 $ 78,000
Wilmington, DE-MD-NJ 285 $ 69,082,000 $ 242,392 $ 88,835
Baton Rouge, LA 280 $ 58,599,000 $ 209,282 $ 89,000
Jacksonville, NC 279 $ 48,366,000 $ 173,354 $ 52,000
Gulfport-Biloxi-Pascagoula, MS 276 $ 45,115,000 $ 163,460 $ 68,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 276 $ 51,900,000 $ 188,043 $ 78,025
Urban Honolulu, HI 276 $ 129,667,000 $ 469,807 $ 92,000
Lake County-Kenosha County, IL-WI 267 $ 56,609,000 $ 212,018 $ 92,426
Reno, NV 266 $ 75,573,000 $ 284,109 $ 94,000
Lakeland-Winter Haven, FL 261 $ 47,972,000 $ 183,800 $ 72,000
Worcester, MA-CT 261 $ 64,474,000 $ 247,026 $ 91,275
Albany-Schenectady-Troy, NY 256 $ 54,583,000 $ 213,214 $ 98,000
Chattanooga, TN-GA 256 $ 50,255,000 $ 196,308 $ 80,257
Panama City, FL 253 $ 53,798,000 $ 212,640 $ 75,000
Portland-South Portland, ME 253 $ 61,876,000 $ 244,569 $ 93,000
Vallejo-Fairfield, CA 251 $ 81,467,000 $ 324,569 $ 89,000
Greensboro-High Point, NC 248 $ 46,394,000 $ 187,072 $ 80,000
Grand Rapids-Wyoming, MI 234 $ 45,670,000 $ 195,170 $ 85,000
Bakersfield, CA 233 $ 53,188,000 $ 228,274 $ 87,000
Fort Collins, CO 233 $ 65,129,000 $ 279,523 $ 93,000
Winston-Salem, NC 232 $ 41,935,000 $ 180,754 $ 88,000
Harrisburg-Carlisle, PA 230 $ 46,902,000 $ 203,921 $ 89,000
Port St. Lucie, FL 223 $ 47,129,000 $ 211,340 $ 85,000
Shreveport-Bossier City, LA 223 $ 42,235,000 $ 189,394 $ 66,000
New Haven-Milford, CT 222 $ 52,264,000 $ 235,423 $ 103,000
Jackson, MS 218 $ 42,404,000 $ 194,513 $ 80,000
Lexington-Fayette, KY 215 $ 40,168,000 $ 186,827 $ 76,000
Oxnard-Thousand Oaks-Ventura, CA 209 $ 87,706,000 $ 419,645 $ 102,000
Rochester, NY 202 $ 31,493,000 $ 155,905 $ 88,000
Rockingham County-Strafford County, NH 200 $ 53,513,000 $ 267,565 $ 100,000
Allentown-Bethlehem-Easton, PA-NJ 199 $ 44,571,000 $ 223,974 $ 91,477
Hilton Head Island-Bluffton-Beaufort, SC 198 $ 47,774,000 $ 241,282 $ 83,000
Manchester-Nashua, NH 197 $ 51,204,000 $ 259,918 $ 95,000
Wilmington, NC 197 $ 45,117,000 $ 229,020 $ 87,000
Charlottesville, VA 194 $ 56,375,000 $ 290,592 $ 101,000
Syracuse, NY 188 $ 31,791,000 $ 169,101 $ 87,000
Salem, OR 185 $ 44,239,000 $ 239,129 $ 78,000
Dover, DE 183 $ 37,782,000 $ 206,459 $ 63,000
Springfield, MO 182 $ 28,721,000 $ 157,807 $ 69,000
Greeley, CO 178 $ 47,316,000 $ 265,820 $ 80,000
Norwich-New London, CT 178 $ 41,582,000 $ 233,606 $ 90,000
Sierra Vista-Douglas, AZ 176 $ 33,005,000 $ 187,528 $ 77,000
Valdosta, GA 176 $ 27,720,000 $ 157,500 $ 59,000
Bridgeport-Stamford-Norwalk, CT 173 $ 60,331,000 $ 348,734 $ 126,000
Elizabethtown-Fort Knox, KY 166 $ 30,715,000 $ 185,030 $ 71,000
Lawton, OK 165 $ 26,808,000 $ 162,472 $ 58,000
Daphne-Fairhope-Foley, AL 164 $ 33,674,000 $ 205,329 $ 86,000
Akron, OH 162 $ 28,358,000 $ 175,049 $ 81,000
Hinesville, GA 160 $ 23,743,000 $ 148,393 $ 48,000
Madison, WI 156 $ 35,596,000 $ 228,179 $ 87,000
Ocala, FL 156 $ 24,215,000 $ 155,224 $ 69,000
Hagerstown-Martinsburg, MD-WV 155 $ 33,497,000 $ 216,109 $ 74,677
Prescott, AZ 153 $ 34,376,000 $ 224,679 $ 74,000
Fresno, CA 152 $ 35,433,000 $ 233,111 $ 83,000
Stockton-Lodi, CA 151 $ 40,806,000 $ 270,238 $ 81,000
Salisbury, MD-DE 150 $ 34,410,000 $ 229,400 $ 95,493
Abilene, TX 145 $ 23,810,000 $ 164,206 $ 66,000
Kennewick-Richland, WA 144 $ 34,553,000 $ 239,951 $ 95,000
Provo-Orem, UT 142 $ 35,926,000 $ 253,000 $ 81,000
Tallahassee, FL 140 $ 27,298,000 $ 194,985 $ 84,000
York-Hanover, PA 140 $ 30,339,000 $ 216,707 $ 86,000
Gainesville, FL 139 $ 25,575,000 $ 183,992 $ 81,000
San Jose-Sunnyvale-Santa Clara, CA 139 $ 63,228,000 $ 454,877 $ 123,000
Gary, IN 137 $ 25,778,000 $ 188,160 $ 79,000
Boulder, CO 136 $ 42,841,000 $ 315,007 $ 116,000
Des Moines-West Des Moines, IA 136 $ 26,749,000 $ 196,683 $ 87,000
Lafayette, LA 136 $ 24,473,000 $ 179,948 $ 79,000
Auburn-Opelika, AL 135 $ 29,497,000 $ 218,496 $ 76,000
Ann Arbor, MI 134 $ 28,754,000 $ 214,582 $ 91,000
Bend-Redmond, OR 134 $ 36,036,000 $ 268,925 $ 95,000
Eugene, OR 131 $ 31,889,000 $ 243,427 $ 88,000
Las Cruces, NM 130 $ 23,748,000 $ 182,676 $ 67,000
Roanoke, VA 130 $ 25,838,000 $ 198,753 $ 80,000
Fairbanks, AK 129 $ 31,143,000 $ 241,418 $ 84,000
Waco, TX 129 $ 24,992,000 $ 193,736 $ 85,000
Lancaster, PA 128 $ 26,552,000 $ 207,437 $ 88,000
Sumter, SC 128 $ 20,767,000 $ 162,242 $ 61,000
Toledo, OH 128 $ 20,900,000 $ 163,281 $ 72,000
Spartanburg, SC 127 $ 21,561,000 $ 169,771 $ 80,000
Mobile, AL 123 $ 19,542,000 $ 158,878 $ 69,000
College Station-Bryan, TX 122 $ 23,847,000 $ 195,467 $ 90,000
Lincoln, NE 120 $ 22,183,000 $ 184,858 $ 80,000
Springfield, MA 120 $ 26,620,000 $ 221,833 $ 79,000
Lansing-East Lansing, MI 119 $ 18,877,000 $ 158,630 $ 74,000
Beaumont-Port Arthur, TX 118 $ 20,659,000 $ 175,076 $ 77,000
McAllen-Edinburg-Mission, TX 118 $ 18,795,000 $ 159,279 $ 70,000
Yuba City, CA 118 $ 29,547,000 $ 250,398 $ 71,000
Scranton--Wilkes-Barre--Hazleton, PA 117 $ 19,234,000 $ 164,393 $ 86,000
Yuma, AZ 117 $ 23,957,000 $ 204,760 $ 73,000
Elgin, IL 114 $ 24,227,000 $ 212,517 $ 88,000
Wichita Falls, TX 114 $ 16,460,000 $ 144,385 $ 64,000
Macon, GA 113 $ 18,344,000 $ 162,336 $ 76,000
Cheyenne, WY 112 $ 25,970,000 $ 231,875 $ 70,000
Gainesville, GA 111 $ 21,933,000 $ 197,594 $ 84,000
Santa Fe, NM 111 $ 27,063,000 $ 243,810 $ 90,000
Hickory-Lenoir-Morganton, NC 109 $ 20,308,000 $ 186,311 $ 71,000
San Angelo, TX 109 $ 20,128,000 $ 184,660 $ 69,000
Bellingham, WA 106 $ 28,885,000 $ 272,500 $ 104,000
Coeur D'Alene, ID 105 $ 23,405,000 $ 222,904 $ 83,000
Rapid City, SD 104 $ 21,803,000 $ 209,644 $ 68,000
Watertown-Fort Drum, NY 104 $ 18,388,000 $ 176,807 $ 67,000
Manhattan, KS 103 $ 20,195,000 $ 196,067 $ 78,000
Duluth, MN-WI 102 $ 19,960,000 $ 195,686 $ 81,294
Tyler, TX 100 $ 18,042,000 $ 180,420 $ 74,000
Barnstable Town, MA 99 $ 28,819,000 $ 291,101 $ 95,000
Santa Rosa, CA 99 $ 38,899,000 $ 392,919 $ 114,000
Amarillo, TX 98 $ 17,824,000 $ 181,877 $ 77,000
Goldsboro, NC 98 $ 16,346,000 $ 166,795 $ 62,000
Naples-Immokalee-Marco Island, FL 98 $ 26,732,000 $ 272,775 $ 95,000
New Bern, NC 98 $ 17,188,000 $ 175,387 $ 78,000
Salinas, CA 98 $ 36,776,000 $ 375,265 $ 107,000
Dutchess County-Putnam County, NY 97 $ 27,078,000 $ 279,154 $ 99,000
San Francisco-Redwood City-South San Francisco, CA 96 $ 47,103,000 $ 490,656 $ 158,000
Kalamazoo-Portage, MI 95 $ 15,992,000 $ 168,336 $ 73,000
Lubbock, TX 95 $ 16,240,000 $ 170,947 $ 76,000
Santa Maria-Santa Barbara, CA 94 $ 37,251,000 $ 396,287 $ 93,000
Burlington-South Burlington, VT 92 $ 23,766,000 $ 258,326 $ 83,000
Pueblo, CO 92 $ 16,627,000 $ 180,728 $ 75,000
Lynchburg, VA 91 $ 17,452,000 $ 191,780 $ 74,000
Athens-Clarke County, GA 90 $ 16,244,000 $ 180,488 $ 79,000
California-Lexington Park, MD 90 $ 25,332,000 $ 281,466 $ 80,000
Fort Wayne, IN 90 $ 15,332,000 $ 170,355 $ 82,000
Medford, OR 90 $ 21,330,000 $ 237,000 $ 78,000
Winchester, VA-WV 90 $ 23,083,000 $ 256,477 $ 78,300
Brunswick, GA 89 $ 19,387,000 $ 217,831 $ 79,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 88 $ 33,965,000 $ 385,965 $ 106,000
Topeka, KS 88 $ 14,435,000 $ 164,034 $ 73,000
Davenport-Moline-Rock Island, IA-IL 87 $ 16,388,000 $ 188,367 $ 81,977
Dothan, AL 87 $ 16,091,000 $ 184,954 $ 75,000
Billings, MT 86 $ 20,197,000 $ 234,848 $ 86,000
Punta Gorda, FL 85 $ 15,851,000 $ 186,482 $ 68,000
Tuscaloosa, AL 85 $ 15,880,000 $ 186,823 $ 81,000
Flagstaff, AZ 84 $ 22,683,000 $ 270,035 $ 99,000
Hattiesburg, MS 84 $ 14,165,000 $ 168,630 $ 69,000
Modesto, CA 84 $ 19,731,000 $ 234,892 $ 80,000
Utica-Rome, NY 84 $ 11,548,000 $ 137,476 $ 79,000
Mount Vernon-Anacortes, WA 82 $ 24,481,000 $ 298,548 $ 90,000
Brownsville-Harlingen, TX 80 $ 13,475,000 $ 168,437 $ 77,000
Huntington-Ashland, WV-KY-OH 79 $ 13,789,000 $ 174,544 $ 84,063
Reading, PA 79 $ 14,747,000 $ 186,670 $ 82,000
South Bend-Mishawaka, IN-MI 78 $ 13,259,000 $ 169,987 $ 76,192
Youngstown-Warren-Boardman, OH-PA 78 $ 12,475,000 $ 159,935 $ 67,615
Bloomington, IN 76 $ 14,362,000 $ 188,973 $ 79,000
Fort Smith, AR-OK 76 $ 13,311,000 $ 175,144 $ 81,171
Great Falls, MT 75 $ 14,804,000 $ 197,386 $ 69,000
Sebastian-Vero Beach, FL 75 $ 16,137,000 $ 215,160 $ 107,000
Burlington, NC 73 $ 15,551,000 $ 213,027 $ 90,000
The Villages, FL 73 $ 15,791,000 $ 216,315 $ 92,000
Flint, MI 72 $ 10,655,000 $ 147,986 $ 68,000
Trenton, NJ 72 $ 18,964,000 $ 263,388 $ 112,000
Canton-Massillon, OH 71 $ 12,051,000 $ 169,732 $ 77,000
Morgantown, WV 71 $ 15,535,000 $ 218,802 $ 78,000
Sioux Falls, SD 71 $ 14,021,000 $ 197,478 $ 72,000
Albany, GA 69 $ 10,696,000 $ 155,014 $ 69,000
Chambersburg-Waynesboro, PA 68 $ 12,856,000 $ 189,058 $ 93,000
Johnson City, TN 68 $ 12,313,000 $ 181,073 $ 92,000
Atlantic City-Hammonton, NJ 67 $ 12,718,000 $ 189,820 $ 76,000
Florence, SC 67 $ 11,422,000 $ 170,477 $ 72,000
Greenville, NC 67 $ 11,170,000 $ 166,716 $ 81,000
Homosassa Springs, FL 67 $ 9,821,000 $ 146,582 $ 71,000
Charleston, WV 65 $ 11,025,000 $ 169,615 $ 80,000
Fargo, ND-MN 65 $ 13,142,000 $ 202,184 $ 74,676
Evansville, IN-KY 63 $ 9,530,000 $ 151,269 $ 64,444
Lake Havasu City-Kingman, AZ 63 $ 10,835,000 $ 171,984 $ 70,000
Peoria, IL 62 $ 9,868,000 $ 159,161 $ 76,000
Alexandria, LA 60 $ 10,343,000 $ 172,383 $ 81,000
Bangor, ME 59 $ 9,697,000 $ 164,355 $ 76,000
Kingsport-Bristol-Bristol, TN-VA 59 $ 9,664,000 $ 163,796 $ 73,322
Lake Charles, LA 59 $ 10,221,000 $ 173,237 $ 81,000
Idaho Falls, ID 58 $ 10,499,000 $ 181,017 $ 82,000
East Stroudsburg, PA 57 $ 10,599,000 $ 185,947 $ 91,000
Grand Forks, ND-MN 57 $ 12,576,000 $ 220,631 $ 78,771
Hanford-Corcoran, CA 57 $ 12,853,000 $ 225,491 $ 67,000
Laredo, TX 56 $ 11,020,000 $ 196,785 $ 101,000
Redding, CA 56 $ 14,136,000 $ 252,428 $ 88,000
Chico, CA 55 $ 13,951,000 $ 253,654 $ 85,000
Visalia-Porterville, CA 55 $ 13,242,000 $ 240,763 $ 97,000
Columbia, MO 54 $ 9,924,000 $ 183,777 $ 72,000
Janesville-Beloit, WI 54 $ 9,383,000 $ 173,759 $ 82,000
Yakima, WA 54 $ 11,242,000 $ 208,185 $ 72,000
Albany, OR 53 $ 10,075,000 $ 190,094 $ 68,000
Corvallis, OR 53 $ 13,036,000 $ 245,962 $ 85,000
Midland, TX 53 $ 11,800,000 $ 222,641 $ 82,000
Decatur, AL 52 $ 8,789,000 $ 169,019 $ 81,000
Glens Falls, NY 52 $ 9,209,000 $ 177,096 $ 77,000
Hot Springs, AR 52 $ 8,221,000 $ 158,096 $ 69,000
Missoula, MT 52 $ 11,784,000 $ 226,615 $ 81,000
Texarkana, TX-AR 52 $ 7,001,000 $ 134,634 $ 70,153
Grand Junction, CO 51 $ 10,799,000 $ 211,745 $ 72,000
Lebanon, PA 51 $ 10,398,000 $ 203,882 $ 77,000
Cedar Rapids, IA 50 $ 8,193,000 $ 163,860 $ 73,000
St. George, UT 50 $ 12,442,000 $ 248,840 $ 84,000
Blacksburg-Christiansburg-Radford, VA 49 $ 9,906,000 $ 202,163 $ 81,000
Rockford, IL 49 $ 6,711,000 $ 136,959 $ 57,000
Lafayette-West Lafayette, IN 48 $ 9,161,000 $ 190,854 $ 80,000
Terre Haute, IN 47 $ 6,336,000 $ 134,808 $ 78,000
Appleton, WI 46 $ 8,355,000 $ 181,630 $ 79,000
Springfield, OH 46 $ 7,563,000 $ 164,413 $ 75,000
Sherman-Denison, TX 45 $ 8,085,000 $ 179,666 $ 83,000
Binghamton, NY 44 $ 5,203,000 $ 118,250 $ 64,000
Champaign-Urbana, IL 44 $ 8,866,000 $ 201,500 $ 96,000
Rochester, MN 44 $ 9,119,000 $ 207,250 $ 86,000
Bismarck, ND 43 $ 9,989,000 $ 232,302 $ 83,000
Carbondale-Marion, IL 43 $ 5,724,000 $ 133,116 $ 70,000
Green Bay, WI 43 $ 7,662,000 $ 178,186 $ 78,000
Oshkosh-Neenah, WI 43 $ 6,821,000 $ 158,627 $ 87,000
Erie, PA 42 $ 7,077,000 $ 168,500 $ 76,000
Niles-Benton Harbor, MI 42 $ 6,965,000 $ 165,833 $ 66,000
Staunton-Waynesboro, VA 42 $ 7,626,000 $ 181,571 $ 71,000
Merced, CA 41 $ 9,238,000 $ 225,317 $ 67,000
Racine, WI 41 $ 7,828,000 $ 190,926 $ 84,000
Springfield, IL 41 $ 7,340,000 $ 179,024 $ 86,000
Monroe, MI 40 $ 7,303,000 $ 182,575 $ 65,000
San Rafael, CA 40 $ 16,565,000 $ 414,125 $ 117,000
St. Joseph, MO-KS 40 $ 6,356,000 $ 158,900 $ 84,000
Joplin, MO 39 $ 6,710,000 $ 172,051 $ 73,000
Kahului-Wailuku-Lahaina, HI 39 $ 15,259,000 $ 391,256 $ 101,000
Lewiston-Auburn, ME 39 $ 7,136,000 $ 182,974 $ 85,000
Longview, TX 39 $ 6,511,000 $ 166,948 $ 83,000
Hammond, LA 38 $ 7,396,000 $ 194,631 $ 81,000
Muskegon, MI 38 $ 5,114,000 $ 134,578 $ 61,000
St. Cloud, MN 37 $ 7,196,000 $ 194,486 $ 76,000
Victoria, TX 36 $ 6,419,000 $ 178,305 $ 65,000
Bowling Green, KY 35 $ 5,912,000 $ 168,914 $ 67,000
Harrisonburg, VA 35 $ 7,690,000 $ 219,714 $ 97,000
Jefferson City, MO 35 $ 6,505,000 $ 185,857 $ 70,000
Kingston, NY 35 $ 6,993,000 $ 199,800 $ 98,000
Ocean City, NJ 35 $ 7,898,000 $ 225,657 $ 111,000
Napa, CA 34 $ 14,024,000 $ 412,470 $ 106,000
Owensboro, KY 34 $ 5,774,000 $ 169,823 $ 84,000
Farmington, NM 33 $ 7,597,000 $ 230,212 $ 94,000
Houma-Thibodaux, LA 33 $ 6,063,000 $ 183,727 $ 87,000
Parkersburg-Vienna, WV 33 $ 4,520,000 $ 136,969 $ 87,000
State College, PA 33 $ 7,943,000 $ 240,696 $ 104,000
Vineland-Bridgeton, NJ 33 $ 4,631,000 $ 140,333 $ 65,000
Wausau, WI 32 $ 5,540,000 $ 173,125 $ 69,000
Williamsport, PA 32 $ 5,722,000 $ 178,812 $ 86,000
Carson City, NV 31 $ 6,643,000 $ 214,290 $ 74,000
Santa Cruz-Watsonville, CA 31 $ 13,302,000 $ 429,096 $ 95,000
Walla Walla, WA 31 $ 7,337,000 $ 236,677 $ 101,000
Anniston-Oxford-Jacksonville, AL 30 $ 3,730,000 $ 124,333 $ 72,000
Gettysburg, PA 30 $ 6,443,000 $ 214,766 $ 85,000
Jackson, TN 30 $ 3,995,000 $ 133,166 $ 50,000
Longview, WA 30 $ 6,595,000 $ 219,833 $ 90,000
Pittsfield, MA 30 $ 6,520,000 $ 217,333 $ 85,000
Wenatchee, WA 30 $ 8,642,000 $ 288,066 $ 102,000
Battle Creek, MI 29 $ 3,813,000 $ 131,482 $ 75,000
Bloomington, IL 29 $ 5,305,000 $ 182,931 $ 93,000
Bloomsburg-Berwick, PA 29 $ 5,265,000 $ 181,551 $ 105,000
Casper, WY 29 $ 7,005,000 $ 241,551 $ 68,000
Kokomo, IN 29 $ 3,690,000 $ 127,241 $ 66,000
Beckley, WV 28 $ 4,830,000 $ 172,500 $ 81,000
Cleveland, TN 28 $ 5,233,000 $ 186,892 $ 69,000
Jackson, MI 28 $ 3,837,000 $ 137,035 $ 85,000
Logan, UT-ID 28 $ 6,210,000 $ 221,785 $ 81,857
Sebring, FL 28 $ 4,616,000 $ 164,857 $ 60,000
Johnstown, PA 27 $ 3,333,000 $ 123,444 $ 76,000
Mankato-North Mankato, MN 27 $ 5,070,000 $ 187,777 $ 102,000
Mansfield, OH 27 $ 3,510,000 $ 130,000 $ 62,000
Saginaw, MI 27 $ 3,898,000 $ 144,370 $ 106,000
Weirton-Steubenville, WV-OH 27 $ 3,613,000 $ 133,814 $ 66,407
Eau Claire, WI 26 $ 5,135,000 $ 197,500 $ 103,000
Gadsden, AL 26 $ 4,874,000 $ 187,461 $ 81,000
Monroe, LA 26 $ 5,285,000 $ 203,269 $ 78,000
Odessa, TX 26 $ 5,370,000 $ 206,538 $ 131,000
Florence-Muscle Shoals, AL 25 $ 4,506,000 $ 180,240 $ 86,000
La Crosse-Onalaska, WI-MN 25 $ 5,612,000 $ 224,480 $ 73,680
Lawrence, KS 25 $ 5,189,000 $ 207,560 $ 93,000
Columbus, IN 24 $ 3,994,000 $ 166,416 $ 77,000
Grants Pass, OR 24 $ 5,401,000 $ 225,041 $ 84,000
Sioux City, IA-NE-SD 24 $ 4,738,000 $ 197,416 $ 85,250
Rome, GA 23 $ 3,961,000 $ 172,217 $ 105,000
Wheeling, WV-OH 23 $ 3,286,000 $ 142,869 $ 65,260
Ithaca, NY 22 $ 3,814,000 $ 173,363 $ 73,000
Madera, CA 22 $ 4,857,000 $ 220,772 $ 80,000
Michigan City-La Porte, IN 22 $ 3,453,000 $ 156,954 $ 65,000
Pocatello, ID 22 $ 3,971,000 $ 180,500 $ 82,000
Waterloo-Cedar Falls, IA 22 $ 3,627,000 $ 164,863 $ 66,000
Kankakee, IL 21 $ 2,864,000 $ 136,380 $ 65,000
Lima, OH 21 $ 2,730,000 $ 130,000 $ 72,000
Morristown, TN 21 $ 3,852,000 $ 183,428 $ 69,000
Pine Bluff, AR 21 $ 3,319,000 $ 158,047 $ 75,000
Sheboygan, WI 21 $ 3,858,000 $ 183,714 $ 78,000
Dalton, GA 20 $ 2,850,000 $ 142,500 $ 65,000
Jonesboro, AR 19 $ 4,435,000 $ 233,421 $ 83,000
Rocky Mount, NC 19 $ 3,263,000 $ 171,736 $ 80,000
El Centro, CA 18 $ 3,580,000 $ 198,888 $ 82,000
Elkhart-Goshen, IN 18 $ 2,941,000 $ 163,388 $ 84,000
Iowa City, IA 18 $ 5,041,000 $ 280,055 $ 107,000
Lewiston, ID-WA 18 $ 3,410,000 $ 189,444 $ 73,888
Cape Girardeau, MO-IL 17 $ 2,903,000 $ 170,764 $ 69,000
Fond Du Lac, WI 17 $ 2,674,000 $ 157,294 $ 133,000
Bay City, MI 16 $ 1,791,000 $ 111,937 $ 70,000
Cumberland, MD-WV 16 $ 2,107,000 $ 131,687 $ 78,500
Midland, MI 16 $ 2,699,000 $ 168,687 $ 85,000
Muncie, IN 15 $ 1,890,000 $ 126,000 $ 57,000
Grand Island, NE 14 $ 2,050,000 $ 146,428 $ 81,000
Ames, IA 13 $ 2,105,000 $ 161,923 $ 83,000
Elmira, NY 13 $ 2,206,000 $ 169,692 $ 89,000
Dubuque, IA 11 $ 1,974,000 $ 179,454 $ 98,000
Altoona, PA 10 $ 1,588,000 $ 158,800 $ 78,000
Decatur, IL 10 $ 1,067,000 $ 106,700 $ 67,000
Danville, IL 6 $ 583,000 $ 97,166 $ 75,000

Mortgage Loan Application Detail Totals for USAA Federal Savings Bank in 2016

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 73,164 $17,408,844,000 $237,000 $1,118,000 $96,000 $6,272,000
Refinancing 45,492 $10,177,544,000 $223,000 $2,017,000 $69,000 $6,299,000
Home Improvement 6,907 $1,506,586,000 $218,000 $1,064,000 $99,000 $743,000

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 83,071 $19,072,379,000 $229,000 $2,017,000 $89,000 $6,299,000
Not Provided 14,556 $3,545,792,000 $243,000 $1,118,000 $89,000 $6,272,000
Black or African American 12,043 $2,715,741,000 $225,000 $941,000 $75,000 $1,267,000
Hispanic 10,496 $2,407,606,000 $229,000 $984,000 $75,000 $1,627,000
Asian 2,809 $765,540,000 $272,000 $1,095,000 $86,000 $548,000
American Indian or Alaskan Native 1,743 $368,727,000 $211,000 $856,000 $75,000 $414,000
Native Hawaiin or Other Pacific Islander 845 $217,189,000 $257,000 $1,037,000 $81,000 $357,000
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
VA-guaranteed (Veterans Administration) 77,852 $18,982,327,000 $243,000 $2,017,000 $74,000 $6,299,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 47,711 $10,110,647,000 $211,000 $801,000 $106,000 $3,868,000
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 66,850 $15,523,446,000 $232,000 $1,117,000 $82,000 $1,627,000
Application Denied By Financial Institution 26,264 $5,718,047,000 $217,000 $1,118,000 $79,000 $6,299,000
Application Withdrawn By Applicant 25,400 $6,268,190,000 $246,000 $2,017,000 $107,000 $6,272,000
File Closed For Incompleteness 4,199 $937,525,000 $223,000 $1,095,000 $104,000 $2,014,000
Application Approved But Not Accepted 2,755 $626,319,000 $227,000 $906,000 $26,000 $1,815,000
Loan Purchased By The Institution 95 $19,447,000 $204,000 $398,000 $81,000 $425,000
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
Debt-To-Income Ratio 7,860 $1,689,686,000 $214,000 $1,095,000 $57,000 $421,000
Collateral 5,725 $1,244,182,000 $217,000 $1,095,000 $89,000 $1,267,000
Credit Application Incomplete 4,614 $1,116,233,000 $241,000 $1,095,000 $97,000 $3,868,000
Credit History 4,479 $915,164,000 $204,000 $1,118,000 $91,000 $6,299,000
Other 1,419 $290,615,000 $204,000 $959,000 $51,000 $712,000
Insufficient Cash (Downpayment, Closing Cost) 1,111 $239,766,000 $215,000 $719,000 $96,000 $960,000
Employment History 920 $190,425,000 $206,000 $776,000 $63,000 $576,000
Unverifiable Information 135 $31,867,000 $236,000 $1,055,000 $82,000 $743,000
Mortgage Insurance Denied 1 $109,000 $109,000 $109,000 $80,000 $80,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into USAA Federal Savings Bank's 2016 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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