Lender in Washington · HMDA 2025
U.S. Bank, N.A. mortgages in Washington
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
U.S. Bank, N.A. originated 1,835 owner-occupied single-family loans in Washington from 2,038 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $5,810 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.50% (Washington: 6.625%).
Loans in WA
1,835
of 2,038 applications
Denial rate
8.9%
Purchase · WA 5.9%
Rate spread
−0.13 pts
Conv. · WA +0.10 pts
Loan amount
$715,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,320 | 1,187 | 8.9% | 6.500% | −0.13 pts | $5,810 | $715,000 |
| Refinance | 563 | 518 | 5.0% | 6.250% | −0.21 pts | $4,240 | $955,000 |
| Cash-out refinance | 155 | 130 | 14.8% | 6.750% | +0.17 pts | $4,000 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| King County | 9 | 844 | 3.2% |
| Snohomish County | 9 | 314 | 2.8% |
| Kittitas County | 11 | 25 | 3.7% |
| Jefferson County | 12 | 7 | 2.1% |
| Klickitat County | 12 | 5 | 2.3% |
| Yakima County | 14 | 36 | 1.6% |
| Douglas County | 14 | 13 | 2.4% |
| Adams County | 14 | 3 | 1.7% |
| Walla Walla County | 16 | 7 | 1.1% |
| Grant County | 17 | 15 | 1.4% |
| Pend Oreille County | 17 | 3 | 1.9% |
| Grays Harbor County | 18 | 16 | 1.5% |
| Clark County | 20 | 100 | 1.4% |
| Pierce County | 21 | 133 | 1.0% |
| Kitsap County | 21 | 58 | 1.4% |
| San Juan County | 21 | 2 | 1.5% |
| Whatcom County | 22 | 25 | 1.0% |
| Chelan County | 22 | 9 | 1.0% |
| Mason County | 22 | 9 | 0.9% |
| Okanogan County | 22 | 4 | 1.2% |
| Spokane County | 23 | 88 | 1.2% |
| Island County | 24 | 13 | 1.0% |
| Asotin County | 24 | 3 | 1.0% |
| Lincoln County | 24 | 3 | 1.7% |
| Skamania County | 24 | 2 | 1.3% |
| Pacific County | 25 | 3 | 1.0% |
- U.S. Bank, N.A. nationwide
- Washington mortgage market
- U.S. Bank, N.A. in California
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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