Lender in California · HMDA 2025
U.S. Bank, N.A. mortgages in California
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
U.S. Bank, N.A. originated 8,603 owner-occupied single-family loans in California from 9,765 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $7,210 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
8,603
of 9,765 applications
Denial rate
9.5%
Purchase · CA 8.9%
Rate spread
−0.11 pts
Conv. · CA +0.09 pts
Loan amount
$815,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 5,395 | 4,794 | 9.5% | 6.500% | −0.11 pts | $7,210 | $815,000 |
| Refinance | 3,769 | 3,361 | 9.1% | 6.375% | −0.19 pts | $3,880 | $1,095,000 |
| Cash-out refinance | 601 | 448 | 24.0% | 6.750% | −0.04 pts | $4,040 | $605,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where U.S. Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 37.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Orange County | 3 | 1,347 | 6.3% |
| Santa Clara County | 4 | 1,076 | 6.5% |
| Contra Costa County | 4 | 451 | 3.8% |
| San Francisco County | 4 | 320 | 6.3% |
| Los Angeles County | 5 | 1,406 | 2.6% |
| San Diego County | 5 | 867 | 3.1% |
| Alameda County | 5 | 782 | 5.6% |
| Marin County | 5 | 124 | 5.5% |
| San Mateo County | 6 | 339 | 5.7% |
| El Dorado County | 7 | 65 | 2.5% |
| Modoc County | 7 | 2 | 4.5% |
| Ventura County | 8 | 135 | 2.0% |
| Sonoma County | 8 | 91 | 2.2% |
| Santa Cruz County | 8 | 48 | 2.9% |
| Placer County | 9 | 127 | 2.0% |
| Monterey County | 9 | 55 | 2.4% |
| Yolo County | 10 | 33 | 2.0% |
| Napa County | 11 | 21 | 2.3% |
| Santa Barbara County | 12 | 54 | 2.0% |
| Sacramento County | 13 | 271 | 1.6% |
| San Joaquin County | 13 | 117 | 1.4% |
| Mono County | 14 | 2 | 1.8% |
| Mendocino County | 15 | 10 | 2.0% |
| Inyo County | 15 | 2 | 1.8% |
| Siskiyou County | 16 | 6 | 1.6% |
| San Bernardino County | 17 | 209 | 1.0% |
| San Luis Obispo County | 17 | 27 | 1.1% |
| Nevada County | 17 | 14 | 1.1% |
| Yuba County | 18 | 17 | 1.2% |
| Riverside County | 19 | 307 | 1.1% |
- U.S. Bank, N.A. nationwide
- California mortgage market
- U.S. Bank, N.A. in Illinois
- U.S. Bank, N.A. in Washington
- U.S. Bank, N.A. in Minnesota
- U.S. Bank, N.A. in Ohio
- U.S. Bank, N.A. in Missouri
- U.S. Bank, N.A. in Texas
- U.S. Bank, N.A. in Wisconsin
- U.S. Bank, N.A. in Kentucky
- U.S. Bank, N.A. in Florida
- U.S. Bank, N.A. in New York
- U.S. Bank, N.A. in Connecticut
- U.S. Bank, N.A. in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology