U.S. Bank
Cincinnati, Ohio · HQ in Hamilton County · NMLS #402216
U.S. Bank National Association (NMLS #402216) is a national bank with a large home mortgage franchise. Florida HMDA filings show multi-thousand originations in 2025.
Research Score
50 / 100
Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.
Data Confidence
87 / 100
High data confidence
NMLS / License Status
NMLS ID verified
NMLS #402216 — re-confirm on NMLS Consumer Access before applying.
Local Market Evidence
Local market evidence · Hamilton County
HQ locality derived from listed_county (Cincinnati)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology
Score factors
- NMLS identity evidence: 28/28 — NMLS #402216 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Hamilton County (listed_county)
- Loan type disclosure: 6/6 — 5 loan type(s) listed
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #402216 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · Florida activity (primary of 3 states) · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Also mapped in: Texas (1,599 originations) · Georgia (687 originations)
Top counties by originations
- Palm Beach County214
- Hillsborough County147
- Duval County139
- Brevard County137
- St. Johns County135
Loan-type mix (Florida originations)
Market share in key counties
Share of county originations among all HMDA filers in that county (shown when ≥ 1%).
- St. Johns County135 originations · 1.2% share
- Collier County108 originations · 1.2% share
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
8,866 yes · 71 no (CFPB field)
Top complaint issues
- Loan modification,collection,foreclosure2,295(25.7%)
- Trouble during payment process1,934(21.6%)
- Loan servicing, payments, escrow account1,529(17.1%)
- Struggling to pay mortgage1,176(13.2%)
- Applying for a mortgage or refinancing an existing mortgage656(7.3%)
Company response (as published)
- Closed with explanation6,564(73.4%)
- Closed with non-monetary relief1,409(15.8%)
- Closed with monetary relief701(7.8%)
- Closed without relief198(2.2%)
- Closed with relief47(0.5%)
414.2complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (944) and Florida HMDA originations (2,279, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
Matched to CFPB parent label “U.S. BANCORP” — bank-wide mortgage complaints.
CFPB company name(s): U.S. BANCORP
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 2,279.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Public panels (when shown) cite HMDA and/or CFPB sources with as-of dates. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker and does not provide financial advice. We show the public record. You decide.