Get & compare mortgage quotes anonymously Start in My Home
UFSB
Unclaimed

USAA Federal Savings Bank

Bank•San Antonio, TXHQ•Direct•Reviews near you on Google

USAA Federal Savings Bank's 12.1k closed loans and 24k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · VA
Place
Strong
4/5
National · 49 mkts
Safe Rate Awards
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • High volume lender with significant market experience
  • Particularly strong in Conventional and VA loans
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

USAA Federal Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 12.9 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
VA
Exceptional
Top 10% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Acceptable
Volume4,154
Mix34.3%
Spread
+0.136%Above
Fees
$2,315Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Sound
Volume7,946
Mix65.7%
Spread
-0.291%Below
Fees
$1,536Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Sound
Volume11,051
Mix91.3%
Spread
-0.132%Below
Fees
$1,819Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Strong
Pull Through
Acceptable
Volume1,049
Mix8.7%
Spread
-0.095%Below
Fees
$1,949Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
12,100
Applications
24,361
Volume
$4 billion
Pricing & Closing
Avg Rate Spread
-0.129%
vs. market APOR
Avg Net Fees
$1,831
Origination − Credits
Pullthrough Rate
49.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$350,726
Avg Borrower Income
$147,818
Avg Property Value
$428,576

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Brandonrush · CC BY-SA 3.0
Fayetteville, NCMetro
Volume 99Mix 0.82% of portfolio
71/100
Strong
2© c_live_lee · CC0
Augusta, GA-SCMetro
Volume 74Mix 0.61% of portfolio
68/100
Strong
3© MARELBU · CC BY 3.0
Oklahoma City, OKMetro
Volume 120Mix 0.99% of portfolio
68/100
Strong
4© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 151Mix 1.25% of portfolio
67/100
Strong
5© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 138Mix 1.14% of portfolio
67/100
Strong
6© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 81Mix 0.67% of portfolio
67/100
Strong
7© Thomas R Machnitzki (thomasmachnitzki.com) · CC BY 3.0
Little Rock, ARMetro
Volume 76Mix 0.63% of portfolio
67/100
Strong
8© Ron Reiring · CC BY 2.0
Albuquerque, NMMetro
Volume 100Mix 0.83% of portfolio
67/100
Strong
9© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 187Mix 1.55% of portfolio
66/100
Strong
10© Ebyabe · CC BY-SA 3.0
Pensacola, FLMetro
Volume 70Mix 0.58% of portfolio
66/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 380Mix 3.14% of portfolio
77/100
Strong
Texas
Texas
2
TexasState
Volume 1,164Mix 9.62% of portfolio
77/100
Strong
Virginia
Virginia
3
VirginiaState
Volume 483Mix 3.99% of portfolio
76/100
Strong
Georgia
Georgia
4
GeorgiaState
Volume 592Mix 4.89% of portfolio
75/100
Strong
North Carolina
North Carolina
5
North CarolinaState
Volume 739Mix 6.11% of portfolio
74/100
Strong
Kansas
Kansas
6
KansasState
Volume 218Mix 1.80% of portfolio
74/100
Strong
South Carolina
South Carolina
7
South CarolinaState
Volume 328Mix 2.71% of portfolio
74/100
Strong
New Mexico
New Mexico
8
New MexicoState
Volume 213Mix 1.76% of portfolio
73/100
Strong
Tennessee
Tennessee
9
TennesseeState
Volume 381Mix 3.15% of portfolio
72/100
Strong
Florida
Florida
10
FloridaState
Volume 821Mix 6.79% of portfolio
72/100
Strong
Showing 10 of 51 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of USAA Federal Savings Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.