USAA Federal Savings Bank Mortgage Lending & HMDA Data, 2022
In 2022, USAA Federal Savings Bank of San Antonio, TX reported 30,998 mortgage applications totaling $10.0 billion, down 38% from 2021. The average application was for $321,406, and applicants reported an average income of $115,583. 54% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (726), San Antonio-New Braunfels, TX (654) and Houston-The Woodlands-Sugar Land, TX (604) (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 | 30,998 |
| Total Mortgage Loan Application Amount | $9,962,960,000 |
| Average Mortgage Loan Application Amount | $321,406 |
| Highest Mortgage Loan Application Amount | $3,735,000 |
| Average Applicant Income | $115,583 |
| Highest Applicant Income | $7,622,000 |
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records USAA Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for USAA Federal Savings Bank in 2022
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 | 25,442 | $8,634,010,000 | $339,000 | $3,325,000 | $120,000 | $7,622,000 |
| Cash-out Refinancing | 2,500 | $668,640,000 | $267,000 | $3,735,000 | $94,000 | $850,000 |
| Refinancing | 2,167 | $492,405,000 | $227,000 | $1,005,000 | $95,000 | $775,000 |
| Not Applicable | 508 | $108,820,000 | $214,000 | $855,000 | $0 | $0 |
| Home Improvement | 229 | $32,365,000 | $141,000 | $635,000 | $79,000 | $617,000 |
| Other Purpose | 152 | $26,720,000 | $175,000 | $615,000 | $80,000 | $461,000 |
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 | 19,325 | $6,102,675,000 | $315,000 | $3,735,000 | $117,000 | $6,742,000 |
| Black or African American | 3,770 | $1,244,950,000 | $330,000 | $2,035,000 | $111,000 | $2,208,000 |
| Hispanic | 2,847 | $959,815,000 | $337,000 | $2,465,000 | $114,000 | $7,622,000 |
| Not Provided | 2,791 | $956,645,000 | $342,000 | $3,005,000 | $123,000 | $1,543,000 |
| Not applicable | 947 | $231,145,000 | $244,000 | $875,000 | $0 | $0 |
| Asian | 600 | $220,880,000 | $368,000 | $2,635,000 | $124,000 | $1,090,000 |
| American Indian or Alaskan Native | 451 | $143,705,000 | $318,000 | $1,405,000 | $107,000 | $500,000 |
| Native Hawaiian or Other Pacific Islander | 78 | $28,950,000 | $371,000 | $785,000 | $124,000 | $514,000 |
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) | 23,155 | $7,895,285,000 | $340,000 | $3,325,000 | $112,000 | $6,742,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7,843 | $2,067,675,000 | $263,000 | $3,735,000 | $129,000 | $7,622,000 |
| 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 | 16,821 | $5,380,815,000 | $319,000 | $3,005,000 | $115,000 | $942,000 |
| Application Withdrawn By Applicant | 7,551 | $2,616,235,000 | $346,000 | $3,325,000 | $132,000 | $6,742,000 |
| Application Denied By Financial Institution | 5,521 | $1,683,455,000 | $304,000 | $3,735,000 | $96,000 | $7,622,000 |
| Loan Purchased By The Institution | 947 | $231,145,000 | $244,000 | $875,000 | $0 | $0 |
| Application Approved But Not Accepted | 153 | $49,585,000 | $324,000 | $815,000 | $129,000 | $708,000 |
| File Closed For Incompleteness | 5 | $1,725,000 | $345,000 | $785,000 | $140,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 25,477 | $8,279,505,000 | $324,000 | $3,325,000 | $121,000 | $6,742,000 |
| Debt-To-Income Ratio | 1,583 | $494,715,000 | $312,000 | $2,635,000 | $59,000 | $508,000 |
| Credit Application Incomplete | 1,381 | $490,865,000 | $355,000 | $1,475,000 | $138,000 | $5,940,000 |
| Credit History | 989 | $249,575,000 | $252,000 | $3,735,000 | $47,000 | $936,000 |
| Other | 595 | $152,885,000 | $256,000 | $3,005,000 | $127,000 | $1,751,000 |
| Collateral | 487 | $147,385,000 | $302,000 | $1,395,000 | $115,000 | $494,000 |
| Unverifiable Information | 248 | $80,000,000 | $322,000 | $2,305,000 | $138,000 | $3,246,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 232 | $66,570,000 | $286,000 | $825,000 | $158,000 | $7,622,000 |
| Employment History | 6 | $1,460,000 | $243,000 | $585,000 | $83,000 | $215,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into USAA Federal Savings Bank's 2022 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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