My Realtor warned me about USAA and not to use them but being member for 16 years I thought I had a good relationship. Wrong! After getting preapproved for my loan and then being stringed along for weeks I was ultimately denied. I had to explain a $2600 deposit which is average but they determined it to be large. Please stay away and go local, they WILL waste your time. I have been preapproved twice for autos and once for a boat and every time the dealer or local bank beats there interest rates by at least 1% (the boat 2%) and USAA refuses to match it.
USAA is a great insurance company as well as basic banking but there loans are a waste of time.
I am sorry to hear that you have not had a pleasant experience recently. I would like to get someone in contact with you to discuss. I have passed this along to our baning team for review, and they will be in touch with you. Thank you.