🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best USDA Mortgage Lenders in United States
Updated February 6, 2026
Market Overview
2386
Total Lenders
3,560,099
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Exceptional | Exceptional | Sound | — | $802 | +0.078% | 13,874 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,828 | +0.185% | 285,901 | |
3 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
4 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | — | $2,479 | +0.382% | 32,880 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | — | $2,079 | +0.294% | 14,849 | |
7 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Sound | — | $542 | +0.263% | 10,811 | |
8 | U.S. Bank National Association | Strong | Strong | Exceptional | Sound | — | $283 | +0.033% | 37,416 | |
9 | Plains Commerce Bank | Strong | Strong | Exceptional | Sound | — | $2,989 | +0.278% | 11,610 | |
10 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $2,818 | +0.429% | 9,840 | |
11 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
13 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
14 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $1,570 | +0.401% | 13,335 | |
15 | Ameris Bank | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.172% | 11,244 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
18 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | — | $3,102 | +0.063% | 7,432 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | — | $2,572 | +0.351% | 23,726 | |
20 | The Huntington National Bank | Strong | Sound | Exceptional | Sound | — | $415 | +0.374% | 18,842 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | — | $3,445 | +0.321% | 21,082 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
25 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | — | $3,519 | +0.812% | 9,354 | |
26 | Bell Bank | Strong | Acceptable | Strong | Exceptional | — | $2,876 | +0.274% | 7,696 | |
27 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,577 | +0.263% | 7,145 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | — | $1,956 | +0.540% | 60,588 | |
29 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | — | $2,582 | +0.136% | 57,340 | |
30 | Regions Bank | Strong | Acceptable | Exceptional | Sound | — | $1,948 | +0.333% | 10,811 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | — | $3,254 | +0.445% | 61,160 | |
33 | MOVEMENT MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Strong | — | $3,182 | +0.556% | 37,119 | |
35 | UNION HOME MORTGAGE CORP. | Sound | Mediocre | Exceptional | Strong | — | $2,996 | +0.562% | 23,240 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | — | $4,289 | +0.552% | 17,767 | |
37 | NFM, INC. | Sound | Acceptable | Strong | Sound | — | $3,705 | +0.346% | 16,100 | |
38 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | — | $4,249 | +0.678% | 13,110 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Sound | Sound | Sound | Acceptable | — | $2,029 | +0.181% | 11,542 | |
40 | BAY EQUITY LLC | Sound | Sound | Sound | Acceptable | — | $2,852 | +0.180% | 9,468 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | — | $4,134 | +0.531% | 8,466 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | — | $3,961 | +0.505% | 8,262 | |
43 | DAS Acquisition Company, LLC | Sound | Mediocre | Exceptional | Strong | — | $2,766 | +0.587% | 7,507 | |
44 | FREEDOM MORTGAGE CORPORATION | Sound | Sound | Sound | Mediocre | — | $2,402 | +0.164% | 37,313 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | — | $4,167 | +0.581% | 7,561 | |
46 | THE LOAN STORE, INC. | Sound | Acceptable | Sound | Acceptable | — | $2,398 | +0.284% | 16,835 | |
47 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Sound | Acceptable | — | $2,588 | +0.279% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
United StatesUSDA
No credit impact
3-minute process
100% free