U.S. Bank National Association's 37.4k closed loans and 54k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Refinance
Champion
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
U.S. Bank National Association performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+3.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
28,129 loans · 0.09% above market
Exceptional
Top 10% of lenders
5/5
FHA
1,624 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
VA
1,102 loans · 0.38% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
6,468 loans · 0.33% below market
Exceptional
Top 5% of lenders
5/5
USDA
92 loans · 0.44% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
30,583 loans · 0.04% above market
Exceptional
Top 10% of lenders
5/5
Refinance
6,833 loans · 0.03% above market
Exceptional
Top 10% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 28,129 | 75.2% | +0.091%Above | $611Fees | ||||
FHA Loans | 1,624 | 4.3% | +0.515%Above | $1,447Fees | ||||
VA Loans | 1,102 | 2.9% | -0.384%Below | $1,222Fees | ||||
Jumbo Loans | 6,468 | 17.3% | -0.327%Below | $1,850Credit | ||||
USDA Loans | 92 | 0.2% | +0.439%Above | $1,167Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume28,129
Mix75.2%
Spread
+0.091%Above
Fees
$611Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume1,624
Mix4.3%
Spread
+0.515%Above
Fees
$1,447Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,102
Mix2.9%
Spread
-0.384%Below
Fees
$1,222Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume6,468
Mix17.3%
Spread
-0.327%Below
Fees
$1,850Credit
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume92
Mix0.2%
Spread
+0.439%Above
Fees
$1,167Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 30,583 | 81.7% | +0.035%Above | $587Fees | ||||
Refinance | 6,833 | 18.3% | +0.026%Above | $994Credit |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume30,583
Mix81.7%
Spread
+0.035%Above
Fees
$587Fees
Refinance
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume6,833
Mix18.3%
Spread
+0.026%Above
Fees
$994Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
37,416
Applications
54,384
Volume
$22 billion
Pricing & Closing
Avg Rate Spread
+0.033%
vs. market APOR
Avg Net Fees
$283
Origination − Credits
Pullthrough Rate
68.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$591,319
Avg Borrower Income
$241,019
Avg Property Value
$846,708
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 100100–200200–500500–1,0001,000+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 51 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of U.S. Bank National Association?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.