Lender in New York · HMDA 2025
U.S. Bank, N.A. mortgages in New York
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
U.S. Bank, N.A. originated 955 owner-occupied single-family loans in New York from 1,081 completed applications.
Its median conventional purchase loan costs were $5,940 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
955
of 1,081 applications
Denial rate
8.5%
Purchase · NY 9.5%
Rate spread
−0.22 pts
Conv. · NY +0.07 pts
Loan amount
$685,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 858 | 766 | 8.5% | 6.375% | −0.22 pts | $5,940 | $685,000 |
| Refinance | 158 | 141 | 7.6% | 6.125% | −0.24 pts | $6,640 | $935,000 |
| Cash-out refinance | 65 | 48 | 21.5% | 6.500% | −0.03 pts | $6,530 | $505,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| New York County | 7 | 213 | 4.2% |
| Westchester County | 10 | 195 | 2.6% |
| Essex County | 10 | 5 | 2.0% |
| Kings County | 11 | 142 | 2.1% |
| Rockland County | 19 | 25 | 1.1% |
| Clinton County | 20 | 4 | 0.8% |
| Franklin County | 22 | 2 | 1.0% |
| Hamilton County | 22 | 1 | 2.3% |
- U.S. Bank, N.A. nationwide
- New York 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 Connecticut
- U.S. Bank, N.A. in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology