Lender in North Carolina · HMDA 2025
U.S. Bank, N.A. mortgages in North Carolina
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
U.S. Bank, N.A. originated 678 owner-occupied single-family loans in North Carolina from 802 completed applications.
Its median conventional purchase loan costs were $4,210 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
678
of 802 applications
Denial rate
13.5%
Purchase · NC 7.6%
Rate spread
+0.05 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 699 | 593 | 13.5% | 6.500% | +0.05 pts | $4,210 | $355,000 |
| Refinance | 53 | 48 | 9.4% | — | −0.05 pts | $4,400 | $425,000 |
| Cash-out refinance | 50 | 37 | 26.0% | — | +0.28 pts | $4,140 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County | 9 | 6 | 2.2% |
| Stanly County | 19 | 14 | 1.2% |
| Forsyth County | 22 | 70 | 1.2% |
| Warren County | 23 | 2 | 1.5% |
| Mecklenburg County | 25 | 142 | 0.8% |
- U.S. Bank, N.A. nationwide
- North Carolina mortgage market
- U.S. Bank, N.A. in California
- 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
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology