Lender in North Carolina · HMDA 2025
USAA Federal Savings Bank mortgages in North Carolina
USAA Federal Savings Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
USAA Federal Savings Bank originated 636 owner-occupied single-family loans in North Carolina from 961 completed applications.
Its median conventional purchase loan costs were $4,500 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
636
of 961 applications
Denial rate
30.9%
Purchase · NC 7.6%
Rate spread
+0.13 pts
Conv. · NC +0.04 pts
Loan amount
$325,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 765 | 526 | 30.9% | 6.625% | +0.13 pts | $4,500 | $325,000 |
| Refinance | 64 | 40 | 34.4% | — | — | — | $305,000 |
| Cash-out refinance | 132 | 70 | 47.0% | — | — | — | $285,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where USAA Federal Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Graham County | 7 | 2 | 3.4% |
| Tyrrell County | 8 | 1 | 4.5% |
| Perquimans County | 10 | 5 | 2.5% |
| Avery County | 13 | 2 | 1.3% |
| Mitchell County | 14 | 2 | 1.4% |
| Cumberland County | 20 | 69 | 1.2% |
| Pamlico County | 21 | 2 | 1.2% |
| Granville County | 23 | 9 | 1.1% |
| Cherokee County | 24 | 3 | 0.9% |
- USAA Federal Savings Bank nationwide
- North Carolina mortgage market
- USAA Federal Savings Bank in Texas
- USAA Federal Savings Bank in Florida
- 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