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U.S. Bank National Association

Bank•Cincinnati, OHHQ•Direct•Reviews near you on Google

U.S. Bank National Association's 37.4k closed loans and 54k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Safe Rate Awards
Jumbo Champion
Jumbo
Champion
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
USDA Superstar
USDA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • High volume lender with significant market experience
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

U.S. Bank National Association performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+3.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 10% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 5% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 10% of lenders
Refinance
Exceptional
Top 10% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume28,129
Mix75.2%
Spread
+0.091%Above
Fees
$611Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Sound
Volume1,624
Mix4.3%
Spread
+0.515%Above
Fees
$1,447Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,102
Mix2.9%
Spread
-0.384%Below
Fees
$1,222Fees
Jumbo Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume6,468
Mix17.3%
Spread
-0.327%Below
Fees
$1,850Credit
USDA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Sound
Volume92
Mix0.2%
Spread
+0.439%Above
Fees
$1,167Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume30,583
Mix81.7%
Spread
+0.035%Above
Fees
$587Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume6,833
Mix18.3%
Spread
+0.026%Above
Fees
$994Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
37,416
Applications
54,384
Volume
$22 billion
Pricing & Closing
Avg Rate Spread
+0.033%
vs. market APOR
Avg Net Fees
$283
Origination − Credits
Pullthrough Rate
68.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$591,319
Avg Borrower Income
$241,019
Avg Property Value
$846,708

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 585Mix 1.56% of portfolio
98/100
Exceptional
2© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 1,413Mix 3.78% of portfolio
97/100
Exceptional
3© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 1,158Mix 3.09% of portfolio
96/100
Exceptional
4© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 497Mix 1.33% of portfolio
93/100
Exceptional
5© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 1,093Mix 2.92% of portfolio
93/100
Exceptional
6© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 1,471Mix 3.93% of portfolio
88/100
Exceptional
7© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 779Mix 2.08% of portfolio
87/100
Exceptional
8© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 604Mix 1.61% of portfolio
86/100
Exceptional
9© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 783Mix 2.09% of portfolio
85/100
Exceptional
10© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 870Mix 2.33% of portfolio
85/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 8,858Mix 23.67% of portfolio
91/100
Exceptional
Washington
Washington
2
WashingtonState
Volume 1,709Mix 4.57% of portfolio
89/100
Exceptional
Illinois
Illinois
3
IllinoisState
Volume 2,055Mix 5.49% of portfolio
87/100
Exceptional
Kentucky
Kentucky
4
KentuckyState
Volume 1,087Mix 2.91% of portfolio
87/100
Exceptional
Wisconsin
Wisconsin
5
WisconsinState
Volume 1,404Mix 3.75% of portfolio
86/100
Exceptional
Minnesota
Minnesota
6
MinnesotaState
Volume 1,505Mix 4.02% of portfolio
84/100
Exceptional
Oregon
Oregon
7
OregonState
Volume 825Mix 2.20% of portfolio
83/100
Exceptional
Connecticut
Connecticut
8
ConnecticutState
Volume 817Mix 2.18% of portfolio
83/100
Exceptional
Missouri
Missouri
9
MissouriState
Volume 1,525Mix 4.08% of portfolio
82/100
Exceptional
New Jersey
New Jersey
10
New JerseyState
Volume 959Mix 2.56% of portfolio
82/100
Exceptional
Showing 10 of 51 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.