Get specialized support.

Production & condo homebuilders

Custom homebuilders

New construction customers

Connect with one of our local market managers to get started.

Your manager will serve as an extension of your team, giving clients outstanding service while coordinating with you and a dedicated mortgage team to secure loan approval.

David Macke

Western U.S.
NMLS# 484132

Tony Cardoza

Eastern U.S.
NMLS# 2117550

If you’re looking for more information about partnering with us, one of our local market managers can help.

Let’s explore new opportunities together.

As the fifth largest commercial bank in the country and the sixth largest mortgage lender, U.S. Bank has the expertise and resources to help you sell more homes. Some of the ways we can support you and your homebuyers include:

  • Local market management: We work with state and local builder associations to stay on top of the changes in the homebuilder industry that can impact the loan process.
  • Building partnerships: We collaborate with credit risk, fulfillment, secondary market and other internal partners to build strong working relationships.
  • Extended rate lock: To help eliminate the risk of cancellations for you, and protect your customers from rising rates, we offer an extended rate lock, up to 360 days,1 and a one-time float down rate option within 60 days of closing.2

Whether you’re a production builder, a condo developer or a custom homebuilder, we offer a variety of unique loan products for your customers.

Production builders

A dedicated team

Our experienced builder specialists can offer support from start to finish with proprietary loan products and down payment assistance programs for qualified homebuyers.

Condominium developers

Condo approval support

We provide an exceptional condo buying experience for developers and homebuyers alike. Our streamlined condominium project approval process for new construction will save you time with the help of one of our knowledgeable condo specialists.

Custom homebuilders

One-time closing

We simplify the closing process by offering a one-time closing on custom constructed homes with fixed-rate or adjustable-rate mortgage (ARM) loan options.

Refer your clients with confidence.

Benefits for your homebuyers

When your customers work with us, they can take advantage of:

  • An extended rate lock up to 360 days1 with a one-time float down rate option within 60 days of closing2
  • Certified builder mortgage loan officers who ensure quality loan submissions and customer service
  • Designated processors, underwriters and closers who specialize in new construction loans
  • Lender paid mortgage insurance which allows the buyer to afford more home

Opportunities for your clients to save

Your customers could take 0.25% of their new first mortgage loan amount and deduct it from their closing costs, up to a maximum of $1,000.3 They may be eligible for this customer credit with a U.S. Bank Smartly® Checking account, an existing Gold or Platinum Checking Package or an existing U.S. Bank first mortgage.4

Streamlined application process

Our online application empowers customers to:

  • Start online with a smart, simple and secure online application
  • Verify data through trusted sources, on their schedule
  • Engage with a dedicated builder mortgage loan officer to guide them through the process
  • Obtain real-time status updates and communicate with their support team
  • Receive and sign disclosures

A competitive suite of lending products

We offer loans with local support in all 50 states giving your clients a variety of options to meet their needs, including:

U.S. Bank stands apart.

At U.S. Bank, our years of industry expertise and breadth of product options aren’t all we have to offer. Our commitment to our customers and doing what’s right place us a step above the rest. We have been named:

  • One of the World’s Most Ethical Companies® by the Ethisphere Institute for the eighth year in a row5
  • The top lender for ages 18 to 34 and earned the top honor for digital mortgage lending tools by Kiplinger6
  • One of the 2023 World’s Most Admired Companies by Fortune7
  • One of the Top 50 Companies for Diversity by DiversityInc8

Find information on housing trends and more.

Expand your knowledge with educational resources designed to help you stay on top of home-buying trends impacting your business.

We can’t wait to work with you and your clients.

David Macke

Western U.S.
NMLS# 484132

Tony Cardoza

Eastern U.S.
NMLS# 2117550

If you’re looking for more information about partnering with us, one of our local market managers can help.

Looking for a bank that offers home-builder financing?

Our U.S. Bank Housing Capital division offers full-service banking to private and public homebuilders nationwide. Work with us to access financial solutions that can help you manage and expand your business. For more information, reach out to one of our local market managers who can put you in touch with our Housing Capital partners.

Start of disclosure content


Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

This is not a Consumer Credit Advertisement and is intended for homebuilder and condo developer use only. This information is provided to assist homebuilders and condo developers and is not a consumer credit advertisement as defined by Regulation Z.

Start of disclosure content
  1. A fee applies for the extended rate lock.

  2. Float down option may be exercised no earlier than 60 days prior to closing or lock expiration date, whichever is earlier, but not less than five days prior to closing. The expiration date then becomes the earlier of the original expiration date or 60 days from exercising the float down.

  3. To calculate the U.S. Bank Client Credit, take 0.25% of your new first mortgage loan amount and deduct it from the closing costs. For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.

  4. Clients may be eligible for this credit with an existing U.S. Bank first mortgage, a U.S. Bank Smartly Checking account or an existing Gold or Platinum Checking Package. A minimum of $25 is required to open a U.S. Bank Smartly Checking account. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information disclosure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  5. 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

  6. Gerstner, L 2020, ‘Financial Service Firms That Treat You Like a Star’, Kiplinger’s Personal Finance, pp. 65-71.

  7. Industry executives, directors, and analysts from 660 companies in 29 countries, with revenues of $10 billion or more, were surveyed by Korn Ferry in collaboration with Fortune Magazine for their 2024 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.

  8. On DiversityInc’s Top 50 Companies for Diversity list, U.S. Bank ranks No. 11 on the overall Top 50 list (up from No. 17 last year) and is the No. 1 ranked bank on the list. The company also placed on more than a dozen specialty lists, including Top Companies for Philanthropy, Top Companies for LGBTQ and Top Companies for Supplier Diversity.

Start of disclosure content