Usaa Bank in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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.
In Ohio, Usaa Bank reported 907 applications and 462 originations for 2024, $130m in all.
Its denial rate in the state was 30.5%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 33.0%.
The median rate spread on its Ohio originations was -0.1 percentage points (state median 0.5).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Usaa Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.5% | 23.5% | 33.0% | 24.3% |
| Median rate spread, pp | -0.1 | 0.5 | -0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.4% | 17.7% | 0.1% | 15.6% |
| Average originated loan | $280k | $218k | $347k | $329k |
| Home purchase share | 84.6% | 51.7% | 85.9% | 57.0% |
| FHA-insured share | 0.0% | 12.3% | 0.0% | 13.4% |
| VA-guaranteed share | 64.9% | 5.9% | 64.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 85% (391)Home improvement 1% (5)Refinancing 4% (18)Cash-out refinancing 10% (45)Other purpose 1% (3)
By type
Conventional 35% (162)VA 65% (300)
Denial reasons as coded
Share of 204 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 100 | 51 | $14m | 26.1% |
| Cuyahoga County | 82 | 42 | $12m | 30.0% |
| Franklin County | 81 | 32 | $9.3m | 38.9% |
| Hamilton County | 63 | 31 | $8.2m | 27.9% |
| Greene County | 50 | 29 | $9.3m | 26.8% |
| Butler County | 31 | 21 | $5.8m | 19.2% |
| Lucas County | 27 | 14 | $2.9m | — |
| Lorain County | 27 | 14 | $3.8m | — |
| Stark County | 27 | 14 | $3.5m | — |
| Summit County | 33 | 12 | $2.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Usaa Bank originate in Ohio in 2024?
462 loans totalling $130m, from 907 applications reported for properties in Ohio.
What is Usaa Bank's denial rate in Ohio?
30.5% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Usaa Bank lend in most?
By originations: Montgomery County (51), Cuyahoga County (42), Franklin County (32), Hamilton County (31), Greene County (29).
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 Ohio. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.