I have been getting supplemental loans for the last two years from US Bank at great rates. This year, my most recent loan application took two months to process, with a bunch of new requirements, and when it finally funded the rate was DOUBLE the rate of my previous loans. The reason given was "new criteria" with no other explanation and a flat refusal to discuss how my debt/income ratio was calculated. I am shocked and will no longer be doing business with US Bank, including a refinance of my home equity loan with a competitor.