Lenders › Us Bank, N.A. › Missouri
Us Bank, N.A. in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri covers 6,986 applications, 3,423 of them originated, worth $633m.
Its denial rate in the state was 40.6%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its Missouri originations was 1.1 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 40.6% | 19.9% | 41.5% | 24.3% |
| Median rate spread, pp | 1.1 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 41.3% | 14.1% | 24.2% | 15.6% |
| Average originated loan | $185k | $231k | $403k | $329k |
| Home purchase share | 42.1% | 58.6% | 46.8% | 57.0% |
| FHA-insured share | 2.8% | 12.8% | 2.4% | 13.4% |
| VA-guaranteed share | 1.1% | 8.2% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 42% (1,442)Home improvement 21% (714)Refinancing 7% (256)Cash-out refinancing 10% (328)Other purpose 20% (683)
By type
Conventional 96% (3,283)FHA 3% (96)VA 1% (36)USDA 0% (8)
Denial reasons as coded
Share of 2,397 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,550 | 750 | $175m | 40.9% |
| St. Charles County | 696 | 365 | $61m | 34.8% |
| Jackson County | 654 | 266 | $71m | 50.1% |
| Jefferson County | 342 | 184 | $26m | 36.5% |
| Greene County | 292 | 149 | $25m | 41.6% |
| Clay County | 263 | 139 | $25m | 34.5% |
| St. Louis city | 296 | 132 | $29m | 44.0% |
| Buchanan County | 154 | 91 | $13m | 32.6% |
| Boone County | 153 | 88 | $20m | 26.8% |
| Jasper County | 170 | 84 | $11m | 39.2% |
| Cape Girardeau County | 123 | 74 | $12m | 32.7% |
| Franklin County | 153 | 68 | $10m | 46.1% |
| Platte County | 116 | 68 | $15m | 34.9% |
| St. Francois County | 107 | 49 | $4.8m | 48.4% |
| Christian County | 98 | 48 | $6.7m | 42.4% |
| Lincoln County | 82 | 46 | $6.6m | 33.8% |
| Nodaway County | 64 | 43 | $6.7m | 20.4% |
| Cass County | 69 | 42 | $7.9m | 32.3% |
| Camden County | 92 | 38 | $11m | 45.7% |
| Phelps County | 58 | 32 | $5.1m | 35.3% |
| Warren County | 55 | 30 | $5.4m | 36.2% |
| Stone County | 55 | 29 | $4.9m | 36.2% |
| Adair County | 55 | 27 | $5.0m | 37.8% |
| Newton County | 67 | 25 | $2.9m | 50.9% |
| Johnson County | 49 | 25 | $2.4m | 37.5% |
| Laclede County | 44 | 25 | $2.6m | 34.2% |
| Pettis County | 54 | 24 | $2.4m | 47.9% |
| Webster County | 41 | 23 | $2.7m | 35.1% |
| Cole County | 35 | 23 | $3.4m | 28.1% |
| Andrew County | 27 | 19 | $3.4m | 24.0% |
| Polk County | 37 | 18 | $2.3m | 47.2% |
| Scott County | 35 | 16 | $2.0m | 46.7% |
| Henry County | 47 | 13 | $1.6m | 64.1% |
| Butler County | 28 | 13 | $1.6m | 48.0% |
| Macon County | 25 | 12 | $1.8m | — |
| Barry County | 31 | 11 | $785k | 53.8% |
| Lafayette County | 28 | 11 | $1.4m | — |
| Lawrence County | 32 | 10 | $1.2m | 59.3% |
| Taney County | 29 | 7 | $825k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in Missouri in 2024?
3,423 loans totalling $633m, from 6,986 applications reported for properties in Missouri.
What is Us Bank, N.A.'s denial rate in Missouri?
40.6% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Us Bank, N.A. lend in most?
By originations: St. Louis County (750), St. Charles County (365), Jackson County (266), Jefferson County (184), Greene County (149).
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 Missouri. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.