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Us Bank, N.A. in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI 6BYL5QZYBDK8S7L73M02
Reporting agency Consumer Financial Protection Bureau
State Ohio

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.

In Ohio, Us Bank, N.A. reported 8,389 applications and 3,721 originations for 2024, $584m in all.

Its denial rate in the state was 46.7%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 41.5%.

The median rate spread on its Ohio originations was 1.2 percentage points (state median 0.5).

Applications in the state were about level with 2023.

8,389applications in OH, 20245.5% of the lender's total
3,721loans originated$584m
46.7%denial rateOH all lenders 23.5%
1.2 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersUs Bank, N.A., all statesUnited States
Denial rate46.7%23.5%41.5%24.3%
Median rate spread, pp1.20.50.60.3
Originations with spread of 1.5 pp or more37.6%17.7%24.2%15.6%
Average originated loan$157k$218k$403k$329k
Home purchase share40.5%51.7%46.8%57.0%
FHA-insured share4.1%12.3%2.4%13.4%
VA-guaranteed share1.3%5.9%1.6%7.9%

Trend by year

ApplicationsOriginations

06,82113,6422022: 13,642 Applications2023: 8,340 Applications2024: 8,389 Applications2022: 6,214 Originations2023: 3,700 Originations2024: 3,721 Originations202220232024
Us Bank, N.A. in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%24.4%48.8%2022: 45.7% This lender in state2023: 48.8% This lender in state2024: 46.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 40% (1,507)Home improvement 20% (757)Refinancing 7% (248)Cash-out refinancing 12% (436)Other purpose 21% (773)

By type

Conventional 94% (3,497)FHA 4% (151)VA 1% (49)USDA 1% (24)

Denial reasons as coded

Credit history37.9%
Debt-to-income ratio30.3%
Collateral20.3%
Other8.3%
Unverifiable information2.1%
Insufficient cash (downpayment, closing costs)0.5%
Credit application incomplete0.5%
Employment history0.1%
Mortgage insurance denied0%

Share of 3,355 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Hamilton County1,204540$98m45.1%
Franklin County945388$71m50.6%
Cuyahoga County850329$48m53.6%
Butler County554260$42m42.5%
Montgomery County437183$24m49.2%
Summit County384172$21m47.5%
Clermont County259127$20m41.3%
Warren County271126$24m43.1%
Jefferson County172101$12m28.1%
Scioto County16190$13m32.8%
Lorain County18686$13m50.3%
Miami County17583$11m38.4%
Greene County15974$11m46.1%
Medina County13569$9.5m38.6%
Shelby County11468$8.9m29.3%
Delaware County13460$17m47.4%
Lake County13558$7.9m48.2%
Stark County10257$6.5m33.7%
Fairfield County10139$7.1m57.0%
Ashtabula County8334$3.7m50.7%
Lawrence County6933$4.2m34.6%
Licking County8430$6.8m53.1%
Lucas County7429$6.2m56.1%
Allen County4529$3.6m20.5%
Preble County7028$3.1m50.9%
Van Wert County5427$3.0m45.1%
Auglaize County4127$4.8m22.2%
Portage County6126$3.8m50.9%
Erie County5726$3.6m48.1%
Clark County6925$3.4m58.7%
Ottawa County4024$3.5m31.4%
Belmont County4223$3.5m30.3%
Richland County5122$2.5m52.2%
Seneca County3921$2.8m31.3%
Geauga County3919$4.5m44.1%
Union County3419$5.1m26.9%
Sandusky County4718$2.1m57.1%
Brown County4718$1.7m55.0%
Pickaway County4218$3.0m56.1%
Trumbull County4316$1.7m57.9%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Us Bank, N.A. originate in Ohio in 2024?

3,721 loans totalling $584m, from 8,389 applications reported for properties in Ohio.

What is Us Bank, N.A.'s denial rate in Ohio?

46.7% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Us Bank, N.A. lend in most?

By originations: Hamilton County (540), Franklin County (388), Cuyahoga County (329), Butler County (260), Montgomery County (183).

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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.