Lender in New Jersey · HMDA 2025
U.S. Bank, N.A. mortgages in New Jersey
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
U.S. Bank, N.A. originated 797 owner-occupied single-family loans in New Jersey from 882 completed applications.
Its median conventional purchase loan costs were $6,110 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.50% (New Jersey: 6.625%).
Loans in NJ
797
of 882 applications
Denial rate
5.6%
Purchase · NJ 8.4%
Rate spread
−0.10 pts
Conv. · NJ +0.12 pts
Loan amount
$545,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 681 | 626 | 5.6% | 6.500% | −0.10 pts | $6,110 | $545,000 |
| Refinance | 131 | 118 | 6.1% | 6.125% | −0.19 pts | $5,320 | $715,000 |
| Cash-out refinance | 70 | 53 | 17.1% | 6.875% | +0.17 pts | $5,090 | $425,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cape May County | 5 | 31 | 3.3% |
| Mercer County | 11 | 70 | 1.8% |
| Bergen County | 20 | 99 | 1.2% |
| Monmouth County | 20 | 98 | 1.3% |
| Essex County | 20 | 81 | 1.3% |
| Somerset County | 20 | 48 | 1.2% |
| Morris County | 21 | 71 | 1.2% |
| Atlantic County | 21 | 29 | 1.0% |
| Hudson County | 25 | 31 | 0.8% |
- U.S. Bank, N.A. nationwide
- New Jersey 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