Also known as: U.S. Bank Mortgage
US Bank Home Mortgage is the mortgage lending division of US Bank, a large national bank headquartered in Minneapolis, Minnesota, with branches and lending operations across much of the United States.
US Bank commonly offers conventional purchase and refinance loans, FHA loans, VA loans for eligible military borrowers, USDA loans for qualifying rural properties, and jumbo loans. As a large bank, it can offer mortgage products alongside checking, savings, and wealth management services, which may benefit existing US Bank customers.
US Bank sometimes offers relationship rate discounts for customers who hold qualifying deposit accounts or make automatic mortgage payments from a US Bank account. Whether these discounts result in a genuinely competitive offer should be verified by comparing with other lenders.
Before choosing US Bank or any mortgage lender, gather Loan Estimate documents from at least two or three lenders. The items to compare are the interest rate, annual percentage rate which includes all fees, estimated closing costs, origination charges, and the lender's processing time.
For VA loan borrowers, US Bank offers VA purchase and refinance mortgages. These are available only to eligible veterans, active-duty service members, and qualifying surviving spouses, and typically include no down payment and no private mortgage insurance requirement.
US Bank also offers home equity products for existing homeowners, including home equity loans and lines of credit. A home equity line of credit is a revolving credit line secured against your home's equity, typically with a variable interest rate and a draw period followed by a repayment period. Your home is the collateral, and failure to repay could result in foreclosure.
Quick info
Mortgage
U.S. Bank Mortgage
U.S. Bancorp
FDIC-insured. Division of U.S. Bank N.A.
2026-06-06
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Purchase mortgages; refinancing; FHA; VA; jumbo; home equity
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Date checked
2026-06-06
How do I contact U.S. Bank Home Mortgage about a hardship?
Contact U.S. Bank Home Mortgage directly using the details on this page. Ask specifically about forbearance, repayment plans or loan modification options. Keep records of all communications. A HUD-approved housing counsellor can also help at no cost — find one at hud.gov/findacounselor.
What happens if U.S. Bank Home Mortgage transfers my mortgage?
Mortgage servicers can transfer the servicing of your loan to another company. You must receive written notice before and after any transfer. Payments made to the old servicer within 60 days of a transfer cannot result in late fees. Verify any transfer notice through NMLS Consumer Access.
How do I dispute an error with U.S. Bank Home Mortgage?
Send a written dispute to U.S. Bank Home Mortgage detailing the error. Keep a copy. If the error is not resolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint.
How do I find a HUD-approved housing counsellor?
HUD-approved housing counsellors are free or low-cost and can help with mortgage trouble, foreclosure prevention and loss mitigation options. Find one at hud.gov/findacounselor or call 1-800-569-4287.
Can U.S. Bank Home Mortgage foreclose on my home?
If mortgage payments are not made, a servicer or lender may initiate foreclosure proceedings. State laws govern the foreclosure process and timelines vary significantly. Contact a HUD-approved counsellor or Legal Aid organisation as soon as possible if you are struggling with payments.
HUD-approved housing counsellors can help at no cost. Use Ask Fin's free tools to get clearer about your full financial picture.
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