# Best Mortgage Lenders for USDA Loans in Memphis, TN - 2026


> **📋 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


> Compare the top USDA mortgage lenders in Memphis, TN across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Memphis, TN
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 127
- **Total Loan Volume:** 12,587
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Patriot Bank](https://saferate.com/lenders/patriot-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 2 | [Trustmark National Bank](https://saferate.com/lenders/trustmark-national-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 3 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [Cadence Bank](https://saferate.com/lenders/cadence-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [Eagle Bank and Trust Company](https://saferate.com/lenders/eagle-bank-and-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [COMMUNITY MORTGAGE CORPORATION](https://saferate.com/lenders/community-mortgage-tn) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 7 | [Renasant Bank](https://saferate.com/lenders/renasant-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 8 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 9 | [STOCKTON MORTGAGE CORPORATION](https://saferate.com/lenders/stockton-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 10 | [Bank of England](https://saferate.com/lenders/bank-of-england) | Bank | Strong 😀 | Acceptable 🙂 | Sound ☺️ |
| 11 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 12 | [ACOPIA, LLC](https://saferate.com/lenders/acopia) | Independent Mortgage Company | Sound ☺️ | Mediocre 😐 | Strong 😀 |
| 13 | [AMERICAN MORTGAGE SERVICES INCORPORATED](https://saferate.com/lenders/american-mortgage-services-incorporated) | Independent Mortgage Company | Sound ☺️ | N/A | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/memphis-tn/best-mortgage-lenders/usda-loans)