Usaa Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Usaa Bank's 2024 HMDA record for Florida covers 2,212 applications, 899 of them originated, worth $337m.
Its denial rate in the state was 39.3%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 33.0%.
The median rate spread on its Florida originations was -0.2 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Usaa Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 39.3% | 29.0% | 33.0% | 24.3% |
| Median rate spread, pp | -0.2 | 0.3 | -0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.3% | 16.4% | 0.1% | 15.6% |
| Average originated loan | $375k | $359k | $347k | $329k |
| Home purchase share | 85.4% | 62.9% | 85.9% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 63.4% | 9.5% | 64.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 85% (768)Home improvement 2% (17)Refinancing 5% (42)Cash-out refinancing 7% (66)Other purpose 1% (6)
By type
Conventional 37% (329)VA 63% (570)
Denial reasons as coded
Share of 589 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 155 | 74 | $31m | 29.2% |
| Brevard County | 125 | 57 | $21m | 34.5% |
| Orange County | 106 | 46 | $19m | 36.1% |
| Escambia County | 90 | 44 | $13m | 24.1% |
| Volusia County | 90 | 39 | $14m | 36.1% |
| Okaloosa County | 85 | 35 | $15m | 41.7% |
| Pinellas County | 97 | 32 | $13m | 51.5% |
| Lake County | 61 | 32 | $11m | 25.6% |
| Bay County | 56 | 29 | $11m | 29.3% |
| Duval County | 96 | 28 | $8.6m | 46.3% |
| Pasco County | 72 | 28 | $11m | 48.1% |
| Polk County | 68 | 27 | $9.6m | 30.0% |
| Lee County | 61 | 27 | $8.2m | 38.6% |
| Santa Rosa County | 60 | 27 | $12m | 40.0% |
| St. Johns County | 54 | 26 | $10m | 23.5% |
| Broward County | 89 | 24 | $11m | 54.4% |
| Sumter County | 45 | 23 | $8.1m | 25.0% |
| Palm Beach County | 69 | 22 | $8.4m | 52.2% |
| Citrus County | 34 | 21 | $5.9m | 21.4% |
| Marion County | 56 | 20 | $5.0m | 46.2% |
| Sarasota County | 44 | 20 | $6.9m | 37.5% |
| Osceola County | 54 | 18 | $7.0m | 51.3% |
| St. Lucie County | 37 | 17 | $6.2m | 45.2% |
| Manatee County | 43 | 16 | $6.6m | — |
| Seminole County | 39 | 15 | $6.9m | 38.5% |
| Alachua County | 32 | 15 | $4.1m | — |
| Charlotte County | 27 | 13 | $5.0m | — |
| Miami-Dade County | 58 | 12 | $9.2m | 67.6% |
| Leon County | 28 | 12 | $4.7m | — |
| Clay County | 27 | 11 | $4.5m | — |
| Collier County | 38 | 10 | $4.1m | 60.0% |
| Flagler County | 26 | 10 | $3.7m | — |
| Walton County | 26 | 6 | $4.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Usaa Bank originate in Florida in 2024?
899 loans totalling $337m, from 2,212 applications reported for properties in Florida.
What is Usaa Bank's denial rate in Florida?
39.3% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 33.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Usaa Bank lend in most?
By originations: Hillsborough County (74), Brevard County (57), Orange County (46), Escambia County (44), Volusia County (39).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.