USAA Federal Savings Bank
San Antonio, Texas · HQ in Bexar County · NMLS #399809
USAA Federal Savings Bank (NMLS #399809) provides banking and mortgage products primarily for military members, veterans, and eligible families. Florida HMDA filings include material 2025 originations.
Research Score
50 / 100
Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.
Data Confidence
87 / 100
High data confidence
NMLS / License Status
NMLS ID verified
NMLS #399809 — re-confirm on NMLS Consumer Access before applying.
Local Market Evidence
Local market evidence · Bexar County
HQ locality derived from listed_county (San Antonio)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology
Score factors
- NMLS identity evidence: 28/28 — NMLS #399809 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Bexar County (listed_county)
- Loan type disclosure: 6/6 — 4 loan type(s) listed
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #399809 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · Texas activity (primary of 3 states) · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Also mapped in: Florida (825 originations) · Georgia (562 originations)
Top counties by originations
- Bexar County103
- Harris County97
- Tarrant County72
- Bell County45
- Denton County42
Loan-type mix (Texas originations)
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
970 yes · 25 no (CFPB field)
Top complaint issues
- Trouble during payment process221(22.2%)
- Applying for a mortgage or refinancing an existing mortgage161(16.2%)
- Application, originator, mortgage broker154(15.5%)
- Loan servicing, payments, escrow account132(13.3%)
- Loan modification,collection,foreclosure96(9.6%)
Company response (as published)
- Closed with explanation787(79.1%)
- Closed with monetary relief95(9.5%)
- Closed with non-monetary relief80(8%)
- Closed without relief24(2.4%)
- Closed3(0.3%)
90.9complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (75) and Florida HMDA originations (825, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
Matched to CFPB company name “UNITED SERVICES AUTOMOBILE ASSOCIATION” (USAA family label used in CCDB for mortgage complaints).
CFPB company name(s): UNITED SERVICES AUTOMOBILE ASSOCIATION
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 825.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Public panels (when shown) cite HMDA and/or CFPB sources with as-of dates. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker and does not provide financial advice. We show the public record. You decide.