Lender in Virginia · HMDA 2025
U.S. Bank, N.A. mortgages in Virginia
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
U.S. Bank, N.A. originated 551 owner-occupied single-family loans in Virginia from 598 completed applications.
Its median conventional purchase loan costs were $4,680 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
551
of 598 applications
Denial rate
6.3%
Purchase · VA 6.9%
Rate spread
−0.01 pts
Conv. · VA +0.10 pts
Loan amount
$465,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 492 | 454 | 6.3% | 6.625% | −0.01 pts | $4,680 | $465,000 |
| Refinance | 85 | 81 | 4.7% | 6.375% | −0.13 pts | $4,240 | $555,000 |
| Cash-out refinance | 21 | 16 | 19.1% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Falls Church city | 1 | 11 | 6.0% |
| Goochland County | 13 | 12 | 2.2% |
| Chesterfield County | 17 | 106 | 1.5% |
| Henrico County | 18 | 87 | 1.7% |
| Lexington city | 20 | 1 | 2.5% |
| Covington city | 21 | 1 | 1.3% |
- U.S. Bank, N.A. nationwide
- Virginia 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