Lender in Idaho · HMDA 2025
U.S. Bank, N.A. mortgages in Idaho
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
U.S. Bank, N.A. originated 448 owner-occupied single-family loans in Idaho from 494 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $6,040 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.375% (Idaho: 6.50%).
Loans in ID
448
of 494 applications
Denial rate
7.8%
Purchase · ID 4.9%
Rate spread
−0.05 pts
Conv. · ID +0.06 pts
Loan amount
$405,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 370 | 339 | 7.8% | 6.375% | −0.05 pts | $6,040 | $405,000 |
| Refinance | 47 | 41 | 10.6% | — | −0.04 pts | $4,970 | $455,000 |
| Cash-out refinance | 77 | 68 | 11.7% | 6.500% | +0.10 pts | $5,200 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Teton County | 2 | 11 | 5.7% |
| Lemhi County | 3 | 7 | 8.5% |
| Blaine County | 5 | 18 | 6.9% |
| Camas County | 5 | 2 | 7.7% |
| Valley County | 6 | 8 | 4.3% |
| Caribou County | 8 | 3 | 3.3% |
| Adams County | 8 | 2 | 3.9% |
| Payette County | 9 | 14 | 3.1% |
| Boundary County | 9 | 5 | 3.1% |
| Owyhee County | 9 | 4 | 3.5% |
| Minidoka County | 11 | 5 | 1.6% |
| Twin Falls County | 12 | 26 | 1.8% |
| Bonner County | 15 | 13 | 1.9% |
| Bear Lake County | 15 | 2 | 3.0% |
| Clearwater County | 15 | 2 | 2.0% |
| Ada County | 18 | 150 | 1.7% |
| Elmore County | 18 | 6 | 1.0% |
| Gem County | 18 | 4 | 1.2% |
| Latah County | 18 | 4 | 1.0% |
| Gooding County | 18 | 2 | 1.3% |
| Kootenai County | 19 | 41 | 1.3% |
| Canyon County | 21 | 68 | 1.3% |
| Shoshone County | 23 | 3 | 1.4% |
| Bonneville County | 24 | 20 | 1.0% |
| Custer County | 24 | 1 | 2.2% |
| Bingham County | 25 | 6 | 1.0% |
- U.S. Bank, N.A. nationwide
- Idaho mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology