U.S. Bank Mortgage
Best for DoctorsUS Bank
4.2
6.30%–8.00% APR$100,000–$5,000,000Fee: Varies by loan typeMin credit: 620+
APR Range
6.30%–8.00%
Loan Amount
$100,000–$5,000,000
Term
120–360 mo
Origination Fee
Varies by loan type
Our take
Strong conventional lender with a doctor loan program that allows low down payments with no PMI — rare in the industry. Rate transparency is above average with detailed online estimates before you speak to an officer.
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Full details
| Minimum loan amount | $100,000 |
| Maximum loan amount | $5,000,000 |
| Lowest APR | 6.30% |
| Highest APR | 8.00% |
| Shortest term | 120 months |
| Longest term | 360 months |
| Origination fee | Varies by loan type |
| Minimum credit score | 620+ |
| Funding speed | 30–45 days |
Frequently asked questions
What is the APR range for U.S. Bank Mortgage?
U.S. Bank Mortgage offers APR from 6.30% to 8.00%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with U.S. Bank Mortgage?
Loan amounts range from $100,000 to $5,000,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for U.S. Bank Mortgage?
A minimum credit score of 620 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does U.S. Bank Mortgage charge an origination fee?
Yes, U.S. Bank Mortgage charges an origination fee of Varies by loan type. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with U.S. Bank Mortgage?
U.S. Bank Mortgage typically funds loans within 30–45 days. Actual funding time may vary based on verification requirements and your bank.
Is U.S. Bank Mortgage worth it?
Strong conventional lender with a doctor loan program that allows low down payments with no PMI — rare in the industry. Rate transparency is above average with detailed online estimates before you speak to an officer.
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Verified Mar 2026
U.S. Bank Mortgage