Correspondent and Housing Finance Agency Lending Contact us

Darren Bird joined U.S. Bank in 2005 as a Correspondent Account Executive and has over 30 years of industry experience. Prior to U.S. Bank, Darren was a Sales Manager at Washtenaw Mortgage Company. His vast experience in sales and originations provides an efficient approach for managing client relationships in the current market. 

Darren has a Bachelor of Science in Business Administration and Finance from West Virginia University and an MBA in Finance from Franklin University. He’s a member of Phi Gamma Delta and enjoys golf, football, hunting, and spending time with family and friends.

Stanley Carraway joined U.S. Bank in 2009 as a Correspondent Account Executive. He began his career in the industry in 1986 at Fleet Real Estate Funding in Florence, SC. While at Fleet, he earned a degree in Business Management from Francis Marion College. As part of his tenure at U.S. Bank, Stanley is proud to represent a conscientious industry leader.

Stanley established the Francis Marion College “Stanley R. Carraway, Jr.” scholarship fund in 1998 to support business students who were employed while going to school part-time. He is an avid kite surfer and enjoys spending time with family.

James Coreno joined U.S. Bank Home Mortgage as Managing Director of the HFA Division in August 2005. He has over thirty-nine years in the mortgage banking industry. James is committed to maintaining the standard of service for which the U.S. Bank HFA Division is known, and to the successful implementation of innovative support services designed to meet the diverse needs of lenders, borrowers, and Housing Finance Agencies. Prior to joining U.S. Bank, James served as National Sales Manager for the mortgage division at Sirva Relocation.

James holds a Bachelor of Science in Economics from the University of Arizona.

Judy Spitale joined U.S. Bank in December 2003 as a Correspondent Account Executive. She has over 30 years of experience with banks, credit unions and independent mortgage bankers in Minnesota, North Dakota and Illinois. Prior to U.S. Bank, she worked for MGIC for five years as an account representative. She’s fluent in conventional, FHA, VA, USDA, jumbo and ARM guidelines and prides herself on teaching the nuances of each product to her lenders so they can effectively structure their borrowers’ financing needs.

Judy is married with two daughters and enjoys biking, hiking, golfing and reading.

Dino Granata joined U.S. Bank in August 2015 as a Correspondent Account Executive. He began his career in the mortgage industry in 1989 and owned Capital Mortgage, Inc. for over 20 years. In 2012, he transitioned to correspondent lending as an Account Executive with Stonegate Mortgage. Dino partners with lenders on custom solutions that address multiple industry opportunities. He’s committed to providing the highest quality of service.

Dino graduated from the University of Missouri – Columbia with a Bachelor of Science in Economics. He enjoys time with family and on the golf course.

Mike Feeney joined U.S. Bank in September 2008. He has over 30 years of experience in mortgage banking, including senior leadership positions in Underwriting, Training, and Sales Management. Mike has an extensive and varied background in residential mortgage lending, and at previous organizations has developed credit guidelines and lending policies, created training and onboarding procedures, and established business development strategies by recruiting and managing regional and national sales teams.

Mike holds a Bachelor of Science in Business Administration from Villanova University. He’s passionate about charitable organizations that support international adoptions and is committed to causes that benefit the needs of individuals with autism.

Shannon Byron is a Client Sales Executive with U.S. Bank’s Housing Finance Agency (HFA) Division, where she partners with housing finance agencies and participating lenders across the United States. With extensive experience in HFA operations, lender support, and client relationship management, Shannon is committed to delivering exceptional service and helping partners advance affordable homeownership opportunities in their communities.

Since joining U.S. Bank in 2018, Shannon has built a strong foundation in HFA lending through a variety of client-focused and operational roles. She began her career on the Client Administration Lender Management team, where she developed deep expertise in lender onboarding, program administration, operational processes, and partner support. This experience provided her with a comprehensive understanding of the systems and procedures that drive successful HFA programs.

In 2022, Shannon accepted the Client Relationship Manager role, supporting the HFA Sales team and serving as a trusted resource for HFA lenders and agency partners nationwide. She played a key role in onboarding new lenders, delivering training, providing guidance on U.S. Bank systems and HFA program requirements, and helping partners navigate operational and compliance-related questions. Her collaborative approach and commitment to service earned the trust of both internal stakeholders and external partners.

Recognizing her strong leadership and industry expertise, U.S. Bank promoted Shannon to Client Sales Executive in July 2024. In her current role, she works closely with state and local housing finance agencies and lending partners throughout the United States to strengthen strategic relationships, identify opportunities for growth, and support the successful delivery of affordable housing initiatives.

Known for her deep operational knowledge, responsiveness, and dedication to client success, Shannon is passionate about building lasting partnerships that expand access to affordable homeownership and create positive outcomes for the communities U.S. Bank serves.

John Armstrong joined U.S. Bank in 2007 as a Correspondent Account Executive and has over 30 years of experience as a mortgage sales executive. Prior to joining U.S. Bank, he founded and owned a mortgage brokerage in Fort Collins, CO. John possesses an efficient approach for managing client relationships and navigating market conditions, and in 2022, he was elected vice president of the Wyoming Mortgage Lenders Association.

John has a Bachelor of Science in Business Administration from the University of Wyoming. He is an outdoor enthusiast, elk hunter, fly fisherman, avid skier and golfer. 

John Hummel joined U.S. Bank in 2017 and today serves as head of Home Lending Production, which includes Retail Home Lending, Correspondent/HFA and Warehouse Lending.

Before assuming this role, John led Retail Lending and previously served as head of Correspondent/Housing Finance Agency (HFA) Lending.

John is an accomplished executive experienced in strategic marketing, sales management, communications, brand management, P&L management and strategic business planning with a proven track record of increasing market share while driving profitable returns for organizations.

A mortgage industry veteran, he began his mortgage career in marketing roles that led to his becoming chief marketing officer of Citigroup’s mortgage business in 2000 before transitioning into production leadership in 2004 where he led national sales for the Wholesale and Correspondent channels, moving into Retail Lending in 2012 as a division sales executive.

Following his tenure at Citigroup, John held executive production roles leading Retail Lending for CMG Financial and later for Pacific Union Financial. 

A leader in the mortgage field, John has had a strong presence at industry conferences and events as well as serving on the Residential/Single Family Board of Governors (RESBOG) for the Mortgage Bankers Association from 2017 to 2023.

John holds a bachelor of science degree in marketing from Clemson University in Clemson, South Carolina, and two master of arts degrees: one in marketing and another in media communications – both from Webster University in St. Louis, Missouri.

Joseph Steele is a Client Sales Executive with U.S. Bank’s Housing Finance Agency (HFA) Division, where he supports state and local HFA partners across the country. With more than a decade of experience at U.S. Bank, Joseph brings extensive knowledge of HFA lending, secondary marketing, and client relationship management.

Since joining U.S. Bank in 2013, Joseph has held roles that have provided him with a comprehensive understanding of the HFA lending lifecycle. He spent much of his career in the Pooling Department, where he worked closely with Housing Finance Agencies and played a key role in securitizing HFA loans into mortgage-backed securities (MBS). Through this work, he developed strong relationships with HFA partners and gained valuable insight into affordable housing finance programs and capital markets execution.

In 2024, Joseph transitioned to the role of HFA Client Relationship Manager, serving as a trusted resource for participating lenders and HFA partners. He supported the HFA Sales team by delivering training on U.S. Bank systems and HFA lending requirements, while working collaboratively to resolve lender questions and enhance the client experience.

Promoted to Client Sales Executive in July 2026, Joseph now works closely with both state and local HFAs to strengthen partnerships, identify growth opportunities, and support the delivery of affordable homeownership solutions. His deep industry expertise, commitment to service, and collaborative approach help HFAs and lending partners successfully achieve their housing finance goals.