Lender in New York · HMDA 2025
USAA Federal Savings Bank mortgages in New York
USAA Federal Savings Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
USAA Federal Savings Bank originated 229 owner-occupied single-family loans in New York from 416 completed applications.
Its median conventional purchase loan costs were $4,950 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
229
of 416 applications
Denial rate
41.4%
Purchase · NY 9.5%
Rate spread
+0.27 pts
Conv. · NY +0.07 pts
Loan amount
$285,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 348 | 198 | 41.4% | 6.625% | +0.27 pts | $4,950 | $285,000 |
| Refinance | 15 | 3 | — | — | — | — | — |
| Cash-out refinance | 53 | 28 | 45.3% | — | — | — | $245,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where USAA Federal Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cortland County | 15 | 6 | 1.9% |
| Tompkins County | 16 | 5 | 0.8% |
| Lewis County | 16 | 3 | 1.4% |
| Jefferson County | 17 | 22 | 1.9% |
| St. Lawrence County | 18 | 6 | 1.1% |
| Livingston County | 18 | 5 | 1.1% |
| Fulton County | 23 | 4 | 0.9% |
| Allegany County | 24 | 2 | 0.7% |
- USAA Federal Savings Bank nationwide
- New York 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