Lender in Texas · HMDA 2025
USAA Federal Savings Bank mortgages in Texas
USAA Federal Savings Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
USAA Federal Savings Bank originated 1,039 owner-occupied single-family loans in Texas from 1,736 completed applications.
Its median conventional purchase loan costs were $5,710 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,039
of 1,736 applications
Denial rate
37.1%
Purchase · TX 10.2%
Rate spread
+0.08 pts
Conv. · TX +0.09 pts
Loan amount
$325,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,574 | 972 | 37.1% | 6.625% | +0.08 pts | $5,710 | $325,000 |
| Refinance | 160 | 67 | 56.9% | — | — | — | $355,000 |
| Cash-out refinance | 2 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where USAA Federal Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coke County | 9 | 1 | 5.6% |
| Uvalde County | 10 | 3 | 2.5% |
| Jeff Davis County | 10 | 1 | 7.1% |
| Jim Hogg County | 11 | 1 | 7.1% |
| Schleicher County | 11 | 1 | 7.7% |
| Val Verde County | 13 | 5 | 1.3% |
| Bandera County | 13 | 4 | 1.7% |
| Runnels County | 13 | 2 | 3.0% |
| Duval County | 14 | 1 | 5.3% |
| Jones County | 15 | 3 | 2.1% |
| Wichita County | 17 | 16 | 1.1% |
| Mason County | 17 | 1 | 4.3% |
| Kerr County | 18 | 7 | 1.4% |
| Bowie County | 19 | 10 | 1.2% |
| San Saba County | 19 | 1 | 4.0% |
| Kleberg County | 20 | 3 | 1.6% |
| Maverick County | 20 | 2 | 0.6% |
| Trinity County | 20 | 2 | 1.8% |
| McCulloch County | 20 | 1 | 2.9% |
| Brewster County | 21 | 1 | 1.7% |
| Kinney County | 21 | 1 | 4.3% |
| Cass County | 22 | 3 | 1.3% |
| Winkler County | 22 | 1 | 2.4% |
| Tom Green County | 23 | 11 | 0.7% |
| Wilson County | 23 | 9 | 1.2% |
| Matagorda County | 23 | 3 | 1.0% |
| Howard County | 24 | 3 | 1.1% |
| Willacy County | 24 | 1 | 1.7% |
- USAA Federal Savings Bank nationwide
- Texas mortgage market
- 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
- USAA Federal Savings Bank in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology