Lender in California · HMDA 2025
USAA Federal Savings Bank mortgages in California
USAA Federal Savings Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
USAA Federal Savings Bank originated 281 owner-occupied single-family loans in California from 537 completed applications.
Its median conventional purchase loan costs were $7,010 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
281
of 537 applications
Denial rate
43.9%
Purchase · CA 8.9%
Rate spread
+0.12 pts
Conv. · CA +0.09 pts
Loan amount
$475,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 383 | 211 | 43.9% | 6.625% | +0.12 pts | $7,010 | $475,000 |
| Refinance | 66 | 33 | 47.0% | — | — | — | $485,000 |
| Cash-out refinance | 88 | 37 | 58.0% | — | — | — | $445,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where USAA Federal Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Plumas County | 5 | 4 | 2.1% |
| Lassen County | 20 | 3 | 1.2% |
- USAA Federal Savings Bank nationwide
- California mortgage market
- USAA Federal Savings Bank in Texas
- USAA Federal Savings Bank in Florida
- USAA Federal Savings Bank in North Carolina
- USAA Federal Savings Bank in Georgia
- USAA Federal Savings Bank in Virginia
- USAA Federal Savings Bank in Tennessee
- USAA Federal Savings Bank in Ohio
- USAA Federal Savings Bank in Missouri
- USAA Federal Savings Bank in Pennsylvania
- USAA Federal Savings Bank in Illinois
- USAA Federal Savings Bank in South Carolina
- USAA Federal Savings Bank in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology