Safe Rate Rankings

Best USDA Mortgage Companie Lenders in the US

Updated May 28, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders2386

Total Loans3,560,099

Median Rate Spread0.20%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,828Fees	0.185%Above	285,901
2	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$3,553Fees	0.387%Above	58,550
3	NEWREZ LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,479Fees	0.382%Above	32,880
4	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,384Fees	0.287%Above	18,786
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,079Fees	0.294%Above	14,849
6	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	—	$2,818Fees	0.429%Above	9,840
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,940Fees	0.289%Above	46,733
8	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$3,279Fees	0.479%Above	17,073
9	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,761Fees	0.348%Above	13,399
10	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$1,570Fees	0.401%Above	13,335
11	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,801Fees	0.380%Above	11,165
12	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,206Fees	0.608%Above	9,656
13	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$3,102Fees	0.063%Above	7,432
14	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,477Fees	0.229%Above	51,353
15	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,445Fees	0.321%Above	21,082
16	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,834Fees	0.450%Above	15,793
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,469Fees	0.467%Above	11,689
18	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,519Fees	0.812%Above	9,354
19	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,577Fees	0.263%Above	7,145
20	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	—	$1,956Fees	0.540%Above	60,588
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	—	$2,582Fees	0.136%Above	57,340
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$3,549Fees	0.497%Above	86,295
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$3,254Fees	0.445%Above	61,160
24	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$2,921Fees	0.343%Above	51,046
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$3,182Fees	0.556%Above	37,119
26	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$2,996Fees	0.562%Above	23,240
27	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$4,289Fees	0.552%Above	17,767
28	NFM, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	—	$3,705Fees	0.346%Above	16,100
29	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$4,249Fees	0.678%Above	13,110
30	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Sound	Sound	Sound	Acceptable	—	$2,029Fees	0.181%Above	11,542
31	BAY EQUITY LLCIndependent Mortgage Company	Sound	Sound	Sound	Acceptable	—	$2,852Fees	0.180%Above	9,468
32	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$4,134Fees	0.531%Above	8,466
33	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$3,961Fees	0.505%Above	8,262
34	DAS Acquisition Company, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	—	$2,766Fees	0.587%Above	7,507
35	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Sound	Sound	Mediocre	—	$2,402Fees	0.164%Above	37,313
36	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	—	$4,167Fees	0.581%Above	7,561
37	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Acceptable	—	$2,398Fees	0.284%Above	16,835
38	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Acceptable	—	$2,588Fees	0.279%Above	12,743

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.