Lender in Oregon · HMDA 2025
U.S. Bank, N.A. mortgages in Oregon
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Oregon, compared with all lenders in the state.
U.S. Bank, N.A. originated 735 owner-occupied single-family loans in Oregon from 848 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $5,440 versus $6,490 for all Oregon lenders, at a median 30-year fixed rate of 6.50% (Oregon: 6.625%).
Loans in OR
735
of 848 applications
Denial rate
9.6%
Purchase · OR 5.7%
Rate spread
+0.01 pts
Conv. · OR +0.12 pts
Loan amount
$435,000
Purchase · OR $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 649 | 577 | 9.6% | 6.500% | +0.01 pts | $5,440 | $435,000 |
| Refinance | 97 | 86 | 11.3% | 6.125% | −0.12 pts | $4,800 | $475,000 |
| Cash-out refinance | 102 | 72 | 27.5% | 6.750% | +0.15 pts | $4,670 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Oregon counties where U.S. Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clatsop County | 6 | 18 | 3.8% |
| Malheur County | 7 | 6 | 2.3% |
| Baker County | 8 | 8 | 4.1% |
| Curry County | 9 | 4 | 2.5% |
| Washington County | 10 | 158 | 2.2% |
| Union County | 12 | 5 | 1.8% |
| Coos County | 13 | 13 | 1.9% |
| Tillamook County | 13 | 6 | 2.1% |
| Sherman County | 13 | 1 | 5.3% |
| Wallowa County | 14 | 2 | 2.7% |
| Clackamas County | 15 | 82 | 1.6% |
| Douglas County | 15 | 19 | 1.6% |
| Jackson County | 16 | 37 | 1.4% |
| Benton County | 16 | 12 | 1.7% |
| Multnomah County | 17 | 110 | 1.3% |
| Deschutes County | 17 | 55 | 1.6% |
| Lane County | 18 | 63 | 1.6% |
| Klamath County | 19 | 11 | 1.4% |
| Columbia County | 19 | 7 | 1.0% |
| Linn County | 20 | 22 | 1.4% |
| Umatilla County | 20 | 14 | 1.5% |
| Crook County | 20 | 7 | 1.5% |
| Marion County | 25 | 42 | 1.2% |
| Wasco County | 25 | 3 | 1.2% |
| Harney County | 25 | 1 | 1.7% |
- U.S. Bank, N.A. nationwide
- Oregon mortgage market
- U.S. Bank, N.A. in California
- U.S. Bank, N.A. in Illinois
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- 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
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- U.S. Bank, N.A. in Connecticut
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology