Lenders › Us Bank, N.A. › Florida
Us Bank, N.A. in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida covers 6,348 applications, 2,803 of them originated, worth $1.2bn.
Its denial rate in the state was 46.7%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were down 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 46.7% | 29.0% | 41.5% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.7% | 16.4% | 24.2% | 15.6% |
| Average originated loan | $434k | $359k | $403k | $329k |
| Home purchase share | 60.8% | 62.9% | 46.8% | 57.0% |
| FHA-insured share | 3.0% | 17.7% | 2.4% | 13.4% |
| VA-guaranteed share | 3.1% | 9.5% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 61% (1,705)Home improvement 15% (425)Refinancing 5% (128)Cash-out refinancing 4% (121)Other purpose 15% (424)
By type
Conventional 94% (2,632)FHA 3% (83)VA 3% (88)
Denial reasons as coded
Share of 2,524 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 477 | 232 | $133m | 40.7% |
| Brevard County | 422 | 228 | $79m | 35.4% |
| Hillsborough County | 453 | 208 | $84m | 43.7% |
| St. Johns County | 288 | 202 | $98m | 18.5% |
| Duval County | 466 | 197 | $67m | 51.9% |
| Pinellas County | 344 | 149 | $60m | 47.1% |
| Broward County | 384 | 146 | $73m | 54.5% |
| Collier County | 221 | 136 | $95m | 22.9% |
| Lee County | 277 | 127 | $47m | 42.5% |
| Sarasota County | 219 | 124 | $78m | 31.3% |
| Orange County | 312 | 112 | $41m | 56.9% |
| Miami-Dade County | 408 | 110 | $63m | 65.3% |
| Pasco County | 194 | 91 | $24m | 45.6% |
| Volusia County | 187 | 91 | $22m | 44.3% |
| Manatee County | 179 | 86 | $42m | 40.8% |
| St. Lucie County | 115 | 49 | $14m | 51.0% |
| Seminole County | 104 | 44 | $13m | 51.1% |
| Lake County | 118 | 42 | $13m | 58.4% |
| Osceola County | 110 | 41 | $13m | 55.3% |
| Polk County | 147 | 38 | $6.2m | 69.3% |
| Clay County | 81 | 34 | $6.6m | 52.8% |
| Escambia County | 73 | 29 | $5.3m | 52.3% |
| Charlotte County | 61 | 28 | $12m | 38.3% |
| Marion County | 73 | 25 | $5.1m | 56.5% |
| Nassau County | 38 | 24 | $12m | 24.2% |
| Flagler County | 46 | 22 | $6.3m | 46.3% |
| Bay County | 57 | 19 | $5.7m | 64.2% |
| Walton County | 35 | 18 | $18m | 24.0% |
| Martin County | 42 | 17 | $34m | 48.6% |
| Santa Rosa County | 41 | 17 | $3.6m | 45.5% |
| Citrus County | 39 | 16 | $2.9m | 50.0% |
| Alachua County | 30 | 14 | $4.1m | 42.3% |
| Okaloosa County | 41 | 13 | $3.9m | 57.6% |
| Leon County | 45 | 12 | $2.1m | 67.5% |
| Hernando County | 38 | 11 | $3.6m | 64.5% |
| Indian River County | 31 | 10 | $2.8m | — |
| Sumter County | 26 | 9 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in Florida in 2024?
2,803 loans totalling $1.2bn, from 6,348 applications reported for properties in Florida.
What is Us Bank, N.A.'s denial rate in Florida?
46.7% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Us Bank, N.A. lend in most?
By originations: Palm Beach County (232), Brevard County (228), Hillsborough County (208), St. Johns County (202), Duval County (197).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.