U.S. Bank Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores U.S. Bank
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
3 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
4 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
4%4 out of 5 - Where and what they lend
How many states and loan types this lender serves.
100%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Neither of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
U.S. Bank is a standard national bank mortgage lender in many ways, with conventional, FHA, VA and jumbo loans plus harder-to-find programs like construction loans. About 56% of its mortgages were priced below comparable loans in 2025, about average, but it charges less in added costs than roughly 60% of comparable lenders, so it’s cheaper over time than that headline number suggests.
It stands out for assistance for eligible buyers. Its Access Home Loan offers up to $12,500 toward a down payment, closing costs or other expenses, plus up to a $5,000 lender credit and lender-paid mortgage insurance, more cash assistance than many lenders with similar programs provide. It’s limited to specific majority-minority neighborhoods in about a dozen metro areas, so check eligibility first. Existing checking customers can also lower closing costs through mortgage autopay.
Its CFPB complaint rate alone would land it in the middle of the pack, but a strong 30% relief rate gives it a boost. About 10% of approved U.S. Bank loans don’t make it to closing, but remember that closing can fall through for reasons beyond a lender’s control, such as an applicant walking away.
At a glance
Good for buyers who qualify for U.S. Bank’s Access Home assistance program or already have a U.S. Bank checking account, both of which come with real cost breaks. Not a good fit if you’re chasing the lowest cost outside those programs — its pricing runs about average across the board.
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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