Lender in Ohio · HMDA 2025
U.S. Bank, N.A. mortgages in Ohio
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
U.S. Bank, N.A. originated 1,732 owner-occupied single-family loans in Ohio from 2,040 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $3,970 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.50% (Ohio: 6.625%).
Loans in OH
1,732
of 2,040 applications
Denial rate
10.1%
Purchase · OH 7.1%
Rate spread
+0.10 pts
Conv. · OH +0.22 pts
Loan amount
$215,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,479 | 1,306 | 10.1% | 6.500% | +0.10 pts | $3,970 | $215,000 |
| Refinance | 213 | 164 | 18.8% | 6.250% | +0.06 pts | $3,310 | $205,000 |
| Cash-out refinance | 348 | 262 | 22.1% | 6.990% | +0.48 pts | $3,510 | $145,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where U.S. Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Scioto County | 2 | 75 | 11.0% |
| Jefferson County | 2 | 70 | 11.7% |
| Shelby County | 6 | 28 | 5.8% |
| Auglaize County | 6 | 19 | 3.6% |
| Mercer County | 6 | 8 | 3.4% |
| Seneca County | 7 | 17 | 3.2% |
| Lawrence County | 8 | 20 | 3.8% |
| Van Wert County | 9 | 11 | 3.1% |
| Harrison County | 9 | 3 | 2.3% |
| Hamilton County | 11 | 225 | 2.1% |
| Miami County | 11 | 47 | 2.6% |
| Butler County | 12 | 103 | 1.8% |
| Belmont County | 13 | 11 | 1.8% |
| Ottawa County | 13 | 11 | 2.2% |
| Hocking County | 13 | 6 | 2.2% |
| Ashtabula County | 14 | 17 | 1.5% |
| Erie County | 14 | 14 | 1.6% |
| Preble County | 14 | 10 | 1.6% |
| Sandusky County | 15 | 15 | 2.1% |
| Wyandot County | 15 | 3 | 1.4% |
| Warren County | 16 | 70 | 1.5% |
| Darke County | 16 | 10 | 1.6% |
| Greene County | 17 | 42 | 1.5% |
| Hancock County | 17 | 11 | 1.1% |
| Perry County | 17 | 7 | 1.7% |
| Fayette County | 17 | 6 | 1.5% |
| Clinton County | 20 | 7 | 1.2% |
| Gallia County | 20 | 3 | 1.2% |
| Pike County | 20 | 3 | 1.3% |
| Guernsey County | 21 | 5 | 1.2% |
- U.S. Bank, N.A. nationwide
- Ohio mortgage market
- U.S. Bank, N.A. in California
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- 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
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- U.S. Bank, N.A. in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology