Lender in Illinois · HMDA 2025
U.S. Bank, N.A. mortgages in Illinois
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
U.S. Bank, N.A. originated 2,206 owner-occupied single-family loans in Illinois from 2,603 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $5,510 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.625% (Illinois: 6.625%).
Loans in IL
2,206
of 2,603 applications
Denial rate
11.5%
Purchase · IL 9.2%
Rate spread
+0.13 pts
Conv. · IL +0.27 pts
Loan amount
$245,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,859 | 1,618 | 11.5% | 6.625% | +0.13 pts | $5,510 | $245,000 |
| Refinance | 414 | 341 | 12.8% | 6.125% | −0.08 pts | $2,760 | $345,000 |
| Cash-out refinance | 330 | 247 | 22.1% | 6.875% | +0.43 pts | $2,900 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where U.S. Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 51.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 2 | 25 | 9.5% |
| Alexander County | 2 | 2 | 13.3% |
| Clay County | 3 | 8 | 9.8% |
| Whiteside County | 4 | 37 | 6.6% |
| Franklin County | 4 | 26 | 7.5% |
| Peoria County | 5 | 120 | 5.4% |
| Lee County | 5 | 12 | 4.3% |
| Carroll County | 5 | 7 | 5.1% |
| Jo Daviess County | 5 | 7 | 4.0% |
| Johnson County | 5 | 6 | 7.1% |
| Hamilton County | 5 | 3 | 7.3% |
| Williamson County | 6 | 43 | 5.7% |
| Stephenson County | 6 | 16 | 3.7% |
| Pope County | 6 | 2 | 6.3% |
| Tazewell County | 7 | 86 | 4.9% |
| Marion County | 7 | 16 | 4.9% |
| Jackson County | 7 | 12 | 3.6% |
| Morgan County | 8 | 9 | 3.5% |
| Woodford County | 9 | 18 | 3.4% |
| Fulton County | 9 | 11 | 2.9% |
| Coles County | 9 | 8 | 2.2% |
| Mason County | 10 | 5 | 3.1% |
| DuPage County | 11 | 190 | 1.7% |
| McLean County | 11 | 43 | 1.9% |
| Jasper County | 11 | 2 | 2.8% |
| Christian County | 12 | 9 | 2.5% |
| Saline County | 12 | 4 | 2.2% |
| Washington County | 12 | 3 | 2.5% |
| Wayne County | 12 | 2 | 2.3% |
| Cook County | 14 | 753 | 1.5% |
- U.S. Bank, N.A. nationwide
- Illinois mortgage market
- U.S. Bank, N.A. in California
- 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
- U.S. Bank, N.A. in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology