Lenders › Us Bank, N.A. › California
Us Bank, N.A. in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Us Bank, N.A.'s 2024 HMDA record for California covers 34,371 applications, 16,584 of them originated, worth $11bn.
Its denial rate in the state was 41.0%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its California originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 6% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 41.0% | 24.8% | 41.5% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.8% | 19.9% | 24.2% | 15.6% |
| Average originated loan | $677k | $566k | $403k | $329k |
| Home purchase share | 43.5% | 51.2% | 46.8% | 57.0% |
| FHA-insured share | 0.9% | 11.4% | 2.4% | 13.4% |
| VA-guaranteed share | 0.8% | 4.8% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 43% (7,214)Home improvement 18% (3,028)Refinancing 20% (3,339)Cash-out refinancing 5% (769)Other purpose 13% (2,234)
By type
Conventional 98% (16,302)FHA 1% (155)VA 1% (125)USDA 0% (2)
Denial reasons as coded
Share of 11,811 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 6,971 | 3,104 | $2.2bn | 45.2% |
| Orange County | 3,703 | 1,969 | $1.6bn | 34.4% |
| San Diego County | 3,675 | 1,784 | $1.2bn | 40.1% |
| Santa Clara County | 2,221 | 1,436 | $1.6bn | 20.6% |
| Alameda County | 2,008 | 1,219 | $1.1bn | 23.1% |
| Riverside County | 2,427 | 985 | $375m | 51.1% |
| San Bernardino County | 1,955 | 733 | $232m | 54.3% |
| Contra Costa County | 1,240 | 731 | $564m | 30.7% |
| Sacramento County | 1,202 | 547 | $199m | 45.7% |
| Ventura County | 848 | 417 | $189m | 41.8% |
| San Mateo County | 705 | 387 | $396m | 32.4% |
| San Joaquin County | 817 | 379 | $169m | 43.0% |
| San Francisco County | 551 | 328 | $304m | 27.5% |
| Placer County | 608 | 314 | $156m | 37.9% |
| Fresno County | 500 | 178 | $47m | 56.4% |
| Marin County | 283 | 163 | $142m | 29.7% |
| Santa Barbara County | 385 | 160 | $141m | 46.8% |
| Kern County | 456 | 152 | $39m | 60.7% |
| Stanislaus County | 381 | 144 | $32m | 57.2% |
| El Dorado County | 277 | 139 | $79m | 38.7% |
| Sonoma County | 243 | 136 | $107m | 31.3% |
| Monterey County | 323 | 133 | $74m | 49.6% |
| Solano County | 269 | 129 | $42m | 43.9% |
| Santa Cruz County | 175 | 86 | $57m | 39.0% |
| San Luis Obispo County | 193 | 80 | $38m | 51.8% |
| Yolo County | 123 | 71 | $28m | 34.2% |
| Tulare County | 206 | 67 | $11m | 60.8% |
| Shasta County | 179 | 65 | $8.4m | 57.3% |
| Butte County | 134 | 53 | $9.6m | 51.3% |
| Napa County | 102 | 49 | $29m | 45.7% |
| Nevada County | 95 | 41 | $19m | 46.1% |
| Madera County | 123 | 38 | $7.3m | 60.6% |
| Merced County | 80 | 33 | $5.8m | 48.5% |
| Yuba County | 55 | 32 | $10m | 29.2% |
| Humboldt County | 84 | 31 | $4.1m | 57.5% |
| Kings County | 71 | 28 | $6.0m | 55.6% |
| Sutter County | 72 | 25 | $2.9m | 57.6% |
| Calaveras County | 51 | 25 | $5.9m | 45.7% |
| San Benito County | 59 | 24 | $5.8m | 47.8% |
| Plumas County | 45 | 23 | $4.2m | 32.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in California in 2024?
16,584 loans totalling $11bn, from 34,371 applications reported for properties in California.
What is Us Bank, N.A.'s denial rate in California?
41.0% of decided applications in California were denied, against 24.8% for all lenders in the state and 41.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Us Bank, N.A. lend in most?
By originations: Los Angeles County (3,104), Orange County (1,969), San Diego County (1,784), Santa Clara County (1,436), Alameda County (1,219).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.