U.S. Bank Correspondent and HFA lending

With over 30 years in the Correspondent and HFA lending business, U.S. Bank is a trusted investor with long-term stability. Our innovative approach to the lending process delivers an exceptional experience from start to finish and empowers you to meet varying client needs.

Already a Correspondent or HFA lender?

Log into your Lender Portal account to register, submit and process loans, or view the Resources section for guided tutorials and more.

Need some help? Our customer support team can provide assistance, answer questions and more. Call us at 800-200-5881 and choose option 1.

Log in

Interested in doing business with U.S. Bank?

Innovation is transforming the lending experience for you and your customers. As a leading Correspondent and HFA lender, U.S. Bank and our experienced team can guide you through the changes, blending what works in mortgage lending with what’s to come.

Contact us

Deliver loans with ease.

Explore a variety of loan management options that are designed to bring ease to the delivery process.

Lender Portal

Our industry-leading technology tools include a consolidated operating system that supports both Correspondent and HFA. Lender Portal simplifies loan delivery and funding, including pipeline, conditions, document management, lender workflow and user communications. It delivers an end-to-end, web-based user experience. By offering best-in-class technology, U.S. Bank continues to demonstrate a continued investment in our business and in yours.

eMortgage

This streamlined digital process for Correspondent and HFA first lien mortgages allows you to partner with lenders to simplify the overall closing process for your borrowers. It provides additional flexibility in how you facilitate and originate business.

Encompass Investor Connect™

U.S. Bank now offers Encompass Investor Connect™ powered by ICE Mortgage Technology®. With Encompass, lenders can benefit from quicker loan delivery, higher first-pass rates and faster purchases. It supports delegated and non-delegated delivery and allows you to deliver one or multiple loans to U.S. Bank directly from Encompass. Plus, you can check loan delivery status and view details of the loan package within a single portal.

Easy D™

As a correspondent lender with Easy D™ servicing-released execution from U.S. Bank and Freddie Mac, you can expect operational bifurcation, lower warehouse costs, easy delivery, a streamlined pre-funding review process, minimal credit overlays and dedicated, tenured support.

Find the best loan for your clients from our Correspondent product suite.

Whether it’s a conventional agency loan like Fannie Mae or Freddie Mac, or a government loan like Federal Housing Administration (FHA), Veterans Affairs (VA) or United States Department of Agriculture (USDA), we can help. Additionally, our U.S. Bank portfolio jumbo loans offer a unique solution to fund your buyers' big dreams. We offer a variety of fixed-rate and adjustable-rate mortgage (ARM) products suited to fit your lending needs in any rate environment. Our full suite of products offers predictable underwriting with minimal credit and product/program overlays.

  • Conforming Fixed and Secured Overnight Financing Rate (SOFR) Adjustable-Rate Mortgage (ARM) (including Easy D™)
  • Fannie Mae HomeReady® and Freddie Mac Home Possible®
  • Jumbo Fixed and SOFR ARM (including investor-paid mortgage insurance (IPMI))
  • Manufactured Housing
  • Community Land Trust

  • FHA Fixed Conforming, Jumbo, Buydown or ARM (including limited 203k)
  • VA Fixed Conforming, Jumbo or ARM
  • USDA/Rural Development (RD) Fixed

  • Jumbo Fixed and ARMs (including IPMI)

  • Fixed and ARMs

  • Construction Conversion
  • Third party originated (TPO) – loans originated by a mortgage broker or correspondent and closed in the name of the U.S. Bank approved seller/lender

Discover customized partnerships for HFA lending.

Our dedicated HFA team partners with over 40 state and local HFAs across the country. We offer a full range of products and services in support of their mission to provide sustainable homeownership through affordable lending opportunities.

As your local partner, U.S. Bank takes the time to understand the unique needs of the communities you serve. Our relationship-driven support is geared toward ensuring borrowers have access to the affordable lending options they need to succeed.

Our selection of products offers predictable underwriting with minimal credit and product/program overlays.

HFA guidelines

  • Conforming Fixed
  • Fannie Mae HFA Preferred and Freddie Mac HFA Advantage
  • Manufactured Housing
  • Community Land Trust

  • FHA Fixed Conforming (including limited 203k)
  • VA Fixed Conforming
  • USDA/RD fixed
  • Manufactured Housing

  • Third Party Originated (TPO) – loans originated by a mortgage broker or correspondent and closed in the name of the U.S. Bank approved seller/lender

Pricing options

All HFA loans must be registered and locked with the Housing Finance Agency following HFA guidelines prior to delivery to U.S. Bank. For Correspondent loans, U.S. Bank offers competitive pricing options designed to meet your diverse needs.

Best Efforts

  • Single loan commitment and pricing
  • Loans underwritten to U.S. Bank guidelines
  • Loans are registered and locked via the U.S. Bank Lender Portal
  • Pipeline reporting available in the Lender Portal
  • Rate sheet pricing does not include Servicing Release Premium (SRP)1
  • 15-, 30-, 45-, 60- and 75-day lock terms available1
  • Relock and extension options available
  • Overnight price protection available through 7:30 a.m. CT the following day, including Federal holidays

Mandatory

Eligible products include:

  • Conventional Conforming 30-, 20-, 15- or 10-year Fixed Rate
  • Conventional Super Conforming 30- or 15-year Fixed Rate
  • FHA, VA and USDA Conforming 30-year Fixed Rate
  • FHA and VA High Balance 30-year Fixed Rate

Execution options include Forward (Standard Mandatory Lock periods for call-in bids are 7, 15 and 30 calendar days) and Bulk Commitments (Standard Mandatory Lock periods for bid tapes can be incremental daily 1 to 30 calendar days)
 

2025 conferences and events

Explore the conference and event schedule

Why choose U.S. Bank as your Correspondent or HFA lender?

As your investor of choice, we provide a full spectrum of products, programs, and services focusing on the client experience. We will guide you through current trends in mortgage lending and help you prepare for future changes to serve your clients.

We’re a trusted and innovative partner.

Our best-in-class ratings and dedication to making ethical decisions means we’re a partner you can trust, today and into the future.

Explore our Company Blog.

Our Company Blog features stories about how U.S. Bank partners with its clients and communities, plus links to the latest news releases.

Visit the U.S. Bank Company Blog

Achieve your business goals with confidence.

Innovation and change are making the lending process better for you and your clients. As a top Correspondent and HFA lender, U.S. Bank and our team of account managers can help you navigate these changes by combining what works in mortgage lending with new ideas for the future.

Contact us
Start of disclosure content

Disclosures

  1. Some products may have variations. Please refer to rate sheets or contact your account executive for more information.

  2. Industry executives, directors, and analysts from 650 companies in 30 countries, with revenues of $10 billion or more, were surveyed by Korn Ferry in collaboration with Fortune Magazine for their 2025 list. Survey responders rated their industry peers who paid a fee to be considered on nine criteria: management quality, people management, use of corporate assets, financial soundness, investment value, social responsibility, innovation, quality of products/services, and global competitiveness. Rankings were determined by an aggregate of how peers ranked the company in each of the key attribute categories. Companies that scored in the top half of their industry were recognized. Get more detail about the selection methodology.

  3. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

  4. On DiversityInc’s Top 50 Companies for Diversity list, U.S. Bank ranks No. 14 on the overall Top 50 list and is the No. 1 ranked bank on the list. The company also placed on several specialty lists, including Top Companies for Philanthropy, Top Companies for LGBTQ+ Employees and Top Companies for People with Disabilities (PwD).

Start of disclosure content

This is not a Consumer Credit Advertisement and is intended for Correspondent/HFA use only. This information is provided to assist Correspondents/HFA and is not a consumer credit advertisement as defined by Regulation Z. Please consult the Correspondent or the HFA Lending Guide. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all amounts. Interest rates and program terms are subject to change without notice. Mortgage and Home Equity products are offered by U.S. Bank National Association. Deposit Products offered by U.S. Bank National Association.

Member FDIC.