US Bank, N.A. reported 2,555 applications for homes in New Jersey in the HMDA data of 2025.
It originated 1,413 loans in the state in 2025, for $798 million in total.
The median interest rate of these loans in 2025 was 6.250%, and the median of all lenders in New Jersey was 6.495%.
The median total loan costs in 2025 were $6,070, and the state median was $7,449.
It denied 31.7% of the applications that it decided in the state in 2025, and the state denial rate was 23.1%.
Filed figures of US Bank, N.A. in New Jersey, 2025
Figure
In NJ
Lender, all states
NJ, all lenders
Applications
2,555
151,832
320,098
Loans originated
1,413
74,635
178,220
Median interest rate
6.250%
6.375%
6.495%
Median total loan costs
$6,070
$4,692
$7,449
Denial rate
31.7%
39.5%
23.1%
HMDA data are generally not used alone 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.
Pricing medians of US Bank, N.A. in New Jersey, 2025Each value has the median of all lenders in New Jersey under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in NJ
946
6.250%NJ 6.495%
$6,070NJ $7,449
$1,245NJ $2,076
$970NJ $3,454
$1,000NJ $934
−0.106NJ 0.158
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.106 percentage points below the average prime offer rate. On a loan of $300,000, that is about $318 less a year, or $27 less a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in New Jersey. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of US Bank, N.A. were in New Jersey in 2025?
1,413 of its loans originated, out of 74,635 in all states. That is 1.9%.
In which counties of New Jersey did US Bank, N.A. originate the most loans in 2025?
The three with the most loans were Monmouth County (162), Bergen County (154) and Ocean County (125).
Which loan types did US Bank, N.A. originate in New Jersey in 2025?
1,385 conventional, 22 FHA and 6 VA.
How did the applications of US Bank, N.A. in New Jersey change from 2022 to 2025?
It reported 3,262 applications in 2022 and 2,555 in 2025.