# Best USDA Mortgage Companie Lenders in the US

**As of:** 2026-05-28

Compare the top mortgage companies for USDA loans in the US.

> **Canonical URL:** https://saferate.com/national/best-mortgage-lenders/mortgage-companies/usda-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 2,386
- **Total Loans:** 3,560,099
- **Median Rate Spread:** 0.20338265534197586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 86 | 62 | 75 | 285,901 | Independent Mortgage Company |
| 2 | GUILD MORTGAGE COMPANY LLC | 86 | 71 | 78 | 58,550 | Independent Mortgage Company |
| 3 | NEWREZ LLC | 86 | 65 | 69 | 32,880 | Independent Mortgage Company |
| 4 | Prosperity Home Mortgage, LLC | 86 | 63 | 75 | 18,786 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 86 | 69 | 72 | 14,849 | Independent Mortgage Company |
| 6 | FIRST COMMUNITY MORTGAGE, INC. | 84 | 55 | 80 | 9,840 | Independent Mortgage Company |
| 7 | CMG MORTGAGE, INC. | 78 | 48 | 72 | 46,733 | Independent Mortgage Company |
| 8 | Paramount Residential Mortgage Group, Inc. | 78 | 42 | 63 | 17,073 | Independent Mortgage Company |
| 9 | KIND LENDING, LLC | 78 | 60 | 64 | 13,399 | Independent Mortgage Company |
| 10 | FLAT BRANCH MORTGAGE, INC. | 78 | 56 | 78 | 13,335 | Independent Mortgage Company |
| 11 | PLAZA HOME MORTGAGE, INC. | 78 | 43 | 60 | 11,165 | Independent Mortgage Company |
| 12 | AMERICAN FINANCIAL NETWORK, INC. | 78 | 43 | 61 | 9,656 | Independent Mortgage Company |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 47 | 61 | 7,432 | Independent Mortgage Company |
| 14 | GUARANTEED RATE, INC. | 68 | 34 | 67 | 51,353 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 22 | 77 | 21,082 | Independent Mortgage Company |
| 16 | LOWER, LLC | 68 | 36 | 69 | 15,793 | Independent Mortgage Company |
| 17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 29 | 66 | 11,689 | Independent Mortgage Company |
| 18 | Equity Prime Mortgage LLC | 68 | 37 | 72 | 9,354 | Independent Mortgage Company |
| 19 | Sierra Pacific Mortgage Company, Inc. | 68 | 29 | 66 | 7,145 | Independent Mortgage Company |
| 20 | Mortgage Research Center, LLC | 62 | 34 | 47 | 60,588 | Independent Mortgage Company |
| 21 | LOANDEPOT.COM, LLC | 62 | 31 | 59 | 57,340 | Independent Mortgage Company |
| 22 | NFM, INC. | 58 | 23 | 55 | 16,100 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 54 | 7 | 70 | 86,295 | Independent Mortgage Company |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 54 | 17 | 73 | 61,160 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 54 | 8 | 70 | 51,046 | Independent Mortgage Company |
| 26 | NEW AMERICAN FUNDING, LLC | 54 | 5 | 62 | 37,119 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 54 | 15 | 68 | 23,240 | Independent Mortgage Company |
| 28 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 8 | 77 | 17,767 | Independent Mortgage Company |
| 29 | EVERETT FINANCIAL, INC. | 54 | 10 | 63 | 13,110 | Independent Mortgage Company |
| 30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 54 | 2 | 65 | 8,466 | Independent Mortgage Company |
| 31 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 54 | 14 | 76 | 8,262 | Independent Mortgage Company |
| 32 | DAS Acquisition Company, LLC | 54 | 10 | 73 | 7,507 | Independent Mortgage Company |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 52 | 57 | 21 | 11,542 | Independent Mortgage Company |
| 34 | BAY EQUITY LLC | 52 | 43 | 34 | 9,468 | Independent Mortgage Company |
| 35 | Luminate Home Loans, Inc. | 49 | 1 | 59 | 7,561 | Independent Mortgage Company |
| 36 | THE LOAN STORE, INC. | 46 | 40 | 26 | 16,835 | Independent Mortgage Company |
| 37 | GUARANTEED RATE AFFINITY, LLC | 46 | 33 | 24 | 12,743 | Independent Mortgage Company |
| 38 | FREEDOM MORTGAGE CORPORATION | 42 | 55 | 17 | 37,313 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within the US.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.