Get specialized support.

Builder resource center

Production & condo homebuilders

New construction clients

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

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

Headshot of David Macke

David Macke

Western U.S.
NMLS# 484132

Headshot of Tony Cardoza

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.

Here’s why you should partner with us.

You deserve a lender that cares about your clients as much as you do. That’s why we focus on building trust, and offering exceptional value and service, to strengthen our reputation as a leading lender. Here are some of the perks of working with U.S. Bank.

A variety of distinct benefits

When you work with us, you can take advantage of:

  • Customized co-marketing materials
  • Servicing on the majority of loans we close
  • Flexible escrow requirements as part of our Escrow Withhold Program
  • Backlog reporting and weekly updates on where your clients are in the loan process
  • Financing for a variety of property types, including primary residences and second homes
  • A simplified, one-time closing process for custom constructed homes with fixed-rate or adjustable-rate mortgage (ARM) loan options

A dedicated team

We are an extension of your team, providing:

  • Expert homebuyer support and personalized guidance at every step
  • Dedicated processing, underwriting and closing teams who are actively engaged with you and your homebuyers
  • Mortgage loan officers who are experts in their local market areas and stay on top of changes in the homebuilder industry

A commitment to client satisfaction

Your team at U.S. Bank is focused on an exceptional client experience, including:

  • Quality standards of performance for all builder personnel
  • Certification process and requirements for mortgage loan officers who work with identified builders to ensure quality loan submissions and customer service
  • Transparency with the team on client satisfaction results and findings
  • Written client surveys at closing

Loans and programs for your buyers

We provide your clients local support in all 50 states and a variety of loans and programs to meet their unique needs, including:

Portfolio, private wealth and U.S. Bank proprietary loans

We offer flexibility for your client’s unique situation with options for loans that do not fit within Freddie Mac and Fannie Mae current guidelines. Our certified private wealth specialists can assist with the more complex needs of your clients.

Jumbo loans

Jumbo loans give your clients an increased purchase limit and a competitive rate for higher-priced properties with fixed-rate and adjustable-rate options.

Lot loans

We provide financing options for single-family residential lots for a future home with as little as 20% down.

Opportunities for your clients to save

Client credit

Qualifying clients can take 0.25% of their new first mortgage loan amount and deduct it from their closing costs, up to a maximum of $1,000.1 Eligible clients must have a U.S. Bank Smartly® Checking account, an existing Gold or Platinum Checking Package or an existing U.S. Bank first mortgage.2

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. With a one-time closing and one set of closing costs, your clients can save on fees and closing costs and lock in their rate.

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 clients 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 row3
  • The top lender for ages 18 to 34 and earned the top honor for digital mortgage lending tools by Kiplinger4
  • One of the 2023 World’s Most Admired Companies by Fortune5
  • One of the Top 50 Companies for Diversity by DiversityInc6

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.

Headshot of David Macke

David Macke

Western U.S.
NMLS# 484132

Headshot of Tony Cardoza

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. Our financial strategies 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.

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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by 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.

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  1. 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.

  2. 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.

  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

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

  5. 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. 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.

  6. 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.

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