What sets us apart

Ways to save

Take 0.25% of your new first mortgage loan amount and deduct it from your mortgage closing costs, up to a maximum of $1,000.1 If you don’t have any costs at closing, the credit can be applied to other prepaid items, such as escrow or homeowner’s insurance. Calculate your savings.

Industry-leading technology

Find your new home with confidence through our industry-leading technology. Work on your loan application at your own pace. And you can count on our mortgage loan officers to partner with you whenever you need assistance.

Dedication to ethics

You can rely on us to do what’s right for you. For the eighth year in a row, we’ve been named one of the 2022 World’s Most Ethical Companies® by the Ethisphere Institute, in recognition of our demonstrated leadership in ethical business practices.

Here are two great options to get your mortgage process going.

Start your application.

We’ll confirm your personal and financial information, pull your credit and connect you with a mortgage loan officer to discuss the results.

Get started

Chat with us.

Our experienced mortgage loan officers are ready to answer your home-buying questions.

Calculate your estimated monthly mortgage payment and potential savings.

Monthly payment calculator

Your monthly mortgage payment is determined by a number of factors, like purchase price, down payment, interest rate, loan term, property taxes and insurance. This calculator provides an estimate of what your mortgage payment could be each month based on the information you provide. The results will give you a better idea of what your financial picture could be.

See an estimated conforming fixed-rate payment and APR example for a purchase transaction.2

Refinance calculator

Refinancing your mortgage may help you lower your monthly payment, reduce your interest rate, change terms or get access to cash for major purchases. This calculator provides an estimate of how much you could save based on the information you provide. The results will help you determine if refinancing your mortgage is right for you.

Use the refinance calculator


Savings calculator

You may be eligible for a customer credit on the closing costs of your next mortgage. Take 0.25% of your next first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.1 Calculate how much you could save with this special offer.

Please enter an amount between $1,000 and $3,000,000.
Potential closing cost savings $0

We’re here to help.

With our streamlined application process, you can start your application using your phone, laptop or other portable device. If you have any questions along the way, an experienced mortgage loan officer is just a phone call away.

Real people, real-world reviews

Get insights from people who have worked with us.

I was impressed with the U.S. Bank Mortgage customer experience and would both recommend U.S. Bank and give the highest marks! There were a few speedbumps along the way, but the U.S. Bank team managed everything both timely and professionally!

– James R.

Thank you so much for all of your help with this — I can’t thank you enough for going above and beyond! My wife and I are very grateful and would not be able to close on our house today if it wasn’t for all that you have done!

– Ryan M.

Through all the chaos and trials, working with you has been the one thing that has remained consistently over-the-top professional and on point. It has been so helpful to know that we were in such great and competent hands.

– Kevin R.


No matter where you’re headed, we’ve got you covered.

We provide loans in all 50 states and beyond, allowing you to choose from a variety of options that include:

  • Fixed- and adjustable-rate options
  • FHA, VA and USDA mortgages
  • Jumbo mortgages
  • Construction-to-permanent financing that offers a one-time closing