USAA Federal Savings Bank

11,693 mortgages originated in 2025 across 43 states, and what they cost borrowers.

Loans originated

11,693

Median rate

6.375%

Median lender fees

$5,455

Median loan amount

$315,000

Median spread over APOR

-0.178

Paid discount points

70.2%

Received lender credits

29.1%

Purchases / refinances

83.4% / 14.7%

Conventional / FHA / VA

34.6% / 0% / 65.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.9% of loans here — see methodology.

Where USAA Federal Savings Bank lent

States with at least 50 loans in 2025, ranked by volume.