Quick Calculators

Today's Mortgage Rates at USAA Federal Savings Bank

Looking for something else? See the latest refinance mortgage rates at USAA Federal Savings Bank.

Reported Address: 10750 McDermott Freeway, TX

Active States: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Most Recent Borrower Reported Mortgage Rates at USAA Federal Savings Bank

Credit Score:

Loan Type:

Lender:

Date	House Price	Loan Amount	Credit Score	Interest Rate	Monthly Payment	Annual Salary	City	Closing Costs	Loan Type	Loan Term	LTV	DTI	Rate Type	Purchase Reason	Lender
01/30/2021	116,000	115,000	778	3.46	510	31,000	Blackfoot, ID	5,050	RHS	30	99	44	FRM	Primary	549300MZCM3IR0ZWDI94
01/30/2021	197,500	185,000	776	3.46	775	32,000	Colorado Springs, CO	5,950	FHA	30	93	55	FRM	Primary	6GK3WNTSHBNJOVP1LV97
01/30/2021	293,000	110,250	825	3.56	297	129,000	Waterloo, NY	250	Conventional	15	37	15	FRM	Secondary	549300D2T1KWYCTPUZ21
01/30/2021	350,000	315,000	742	3.96	1,347	70,000	South Pasadena, FL	2,100	Conventional	30	90	42	FRM	Primary	549300MCIFZSDHUT8X63
01/30/2021	289,500	275,000	793	3.59	1,186	102,000	Champlin, MN	4,950	Conventional	30	95	33	FRM	Primary	549300AENO88GEUWCZ39
01/30/2021	407,000	285,000	824	2.84	1,362	119,000	Lakewood, OH	3,650	Conventional	15	70	33	FRM	Primary	N8T7HW55LK5D2ORCKP39
01/30/2021	109,000	105,000	667	4.96	541	73,000	Havelock, NC	4,950	FHA	30	96	33	FRM	Primary	549300916KMYQ118CX89
01/30/2021	1,700,000	1,445,000	754	3.96	22,595	526,000	La Porte, TX	20,650	Conventional	5	85	33	FRM	Primary	54930083ZNK6KPUJ7R29
01/30/2021	819,000	792,750	792	3.46	3,429	484,000	Jacksonville Beach, FL	13,650	Conventional	30	96	25	FRM	Primary	DX0JX77PRMOELF7VG772
01/30/2021	119,000	95,000	779	3.96	361	127,000	Lynchburg, VA	3,800	Conventional	30	80	15	FRM	Investment	549300SLZFPDLWNB0O94

Today's Average Mortgage Rates by Credit Score at USAA Federal Savings Bank

Today's - 2020

lei:

State:

lei	State	Credit Score	Conventional	FHA	VA
01J4SO3XTWZF4PP38209	AL	650 and below	4.60	4.40	4.30
01J4SO3XTWZF4PP38209	AL	650 to 700	4.06	4.17	4.04
01J4SO3XTWZF4PP38209	AL	700 to 750	3.69	3.54	3.45
01J4SO3XTWZF4PP38209	AL	750 to 800	3.31	3.11	3.03
01J4SO3XTWZF4PP38209	AL	800 and above	2.76	2.60	2.55
01J4SO3XTWZF4PP38209	FL	650 and below	4.73	4.26	4.35
01J4SO3XTWZF4PP38209	FL	650 to 700	4.13	4.00	3.89
01J4SO3XTWZF4PP38209	FL	700 to 750	3.71	3.54	3.49
01J4SO3XTWZF4PP38209	FL	750 to 800	3.23	3.14	3.01
01J4SO3XTWZF4PP38209	FL	800 and above	2.72	2.65	2.52

Fig: Average mortgage rates by credit score in the selected state in 2020 offered by USAA Federal Savings Bank

Average Mortgage Rates by Loan-to-Value at USAA Federal Savings Bank

Today's - 2020

lei:

State:

lei	State	Loan-to-Value	Interest Rate
01J4SO3XTWZF4PP38209	AL	50% and below	3.52
01J4SO3XTWZF4PP38209	AL	50% to 75%	3.90
01J4SO3XTWZF4PP38209	AL	75% to 80%	3.97
01J4SO3XTWZF4PP38209	AL	80% to 85%	4.05
01J4SO3XTWZF4PP38209	AL	85% to 90%	4.12
01J4SO3XTWZF4PP38209	AL	90% to 95%	4.20
01J4SO3XTWZF4PP38209	AL	95% and above	4.27
01J4SO3XTWZF4PP38209	FL	50% and below	3.47
01J4SO3XTWZF4PP38209	FL	50% to 75%	3.84
01J4SO3XTWZF4PP38209	FL	75% to 80%	3.92

Fig: Average mortgage rates by loan-to-value ratio in the selected state in 2020 offered by USAA Federal Savings Bank

Average Mortgage Rates by Debt-to-Income at USAA Federal Savings Bank

Today's - 2020

lei:

State:

lei	State	Debt-to-Income	Interest Rate
01J4SO3XTWZF4PP38209	AL	15% and below	3.00
01J4SO3XTWZF4PP38209	AL	15% to 25%	3.15
01J4SO3XTWZF4PP38209	AL	25% to 35%	3.30
01J4SO3XTWZF4PP38209	AL	35% to 40%	3.37
01J4SO3XTWZF4PP38209	AL	40% to 45%	3.45
01J4SO3XTWZF4PP38209	AL	45% and above	3.82
01J4SO3XTWZF4PP38209	FL	15% and below	2.94
01J4SO3XTWZF4PP38209	FL	15% to 25%	3.09
01J4SO3XTWZF4PP38209	FL	25% to 35%	3.24
01J4SO3XTWZF4PP38209	FL	35% to 40%	3.32

Fig: Average mortgage rates by debt-to-income ratio in the selected state in 2020 offered by USAA Federal Savings Bank

First Mortgage Rejections at USAA Federal Savings Bank

Based on data since 2018.

lei:

lei	Denied	Approved	Total	Denial Percentage
01J4SO3XTWZF4PP38209	1,041	7,858	8,899	12
01KWVG908KE7RKPTNP46	988	16,413	17,401	6
03D0JEWFDFUS0SEEKG89	19,988	18,421	38,409	52
0K2D5AK28E3O5CC06E35	13	423	436	3
0L0W72STJN2EGP1X2N39	93	579	672	14
0S8H5NJFLHEVJXVTQ413	719	1,073	1,792	40
1IE8VN30JCEQV1H4R804	705	3,212	3,917	18
1TMVIO1SD0RLIPEIW803	600	1,443	2,043	29
1VUZZZCW0TWP6R7N3Z33	46	249	295	16
207ALC1P1YM0OVDV0K75	27	688	715	4

lei	Reason for Denial	Conventional	FHA	VA
01J4SO3XTWZF4PP38209	Debt-to-income ratio	26	33	0
01J4SO3XTWZF4PP38209	Employment history	1	7	0
01J4SO3XTWZF4PP38209	Credit history	47	27	50
01J4SO3XTWZF4PP38209	Collateral	15	20	50
01J4SO3XTWZF4PP38209	Insufficient cash (downpayment, closing costs)	2	7	0
01J4SO3XTWZF4PP38209	Unverifiable information	2	7	0
01J4SO3XTWZF4PP38209	Credit application incomplete	0	0	0
01J4SO3XTWZF4PP38209	Unknown/Other	6	0	0
01KWVG908KE7RKPTNP46	Debt-to-income ratio	26	22	25
01KWVG908KE7RKPTNP46	Employment history	4	4	0

Second Mortgage/Refinance Rejection Rates at USAA Federal Savings Bank

Based on data since 2018.

lei:

lei	Denied	Approved	Total	Denial Percentage
01J4SO3XTWZF4PP38209	551	1,185	1,736	32
01KWVG908KE7RKPTNP46	573	3,000	3,573	16
03D0JEWFDFUS0SEEKG89	23,865	13,082	36,947	65
0L0W72STJN2EGP1X2N39	149	409	558	27
0S8H5NJFLHEVJXVTQ413	509	503	1,012	50
1IE8VN30JCEQV1H4R804	270	377	647	42
1TMVIO1SD0RLIPEIW803	586	561	1,147	51
207ALC1P1YM0OVDV0K75	1	52	53	2
20TVKH7M13MUBGE80C53	224	825	1,049	21
2138004QPZ7FMGPTU106	8	19	27	30