Lender in Texas · HMDA 2025
U.S. Bank, N.A. mortgages in Texas
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
U.S. Bank, N.A. originated 1,412 owner-occupied single-family loans in Texas from 1,632 completed applications.
Its median conventional purchase loan costs were $7,170 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.49% (Texas: 6.50%).
Loans in TX
1,412
of 1,632 applications
Denial rate
8.9%
Purchase · TX 10.2%
Rate spread
−0.10 pts
Conv. · TX +0.09 pts
Loan amount
$465,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,375 | 1,230 | 8.9% | 6.490% | −0.10 pts | $7,170 | $465,000 |
| Refinance | 148 | 120 | 12.8% | 6.125% | −0.13 pts | $6,580 | $755,000 |
| Cash-out refinance | 109 | 62 | 40.4% | 6.990% | +0.42 pts | $5,940 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jeff Davis County | 9 | 1 | 7.1% |
| Shackelford County | 12 | 1 | 5.3% |
| Floyd County | 16 | 1 | 5.0% |
| Travis County | 17 | 155 | 1.1% |
| Childress County | 19 | 1 | 2.8% |
| Collin County | 21 | 251 | 1.1% |
| Denton County | 23 | 182 | 0.9% |
| Panola County | 23 | 2 | 1.3% |
- U.S. Bank, N.A. nationwide
- Texas 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 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