# Best Mortgage Lenders for USDA Loans in Minnesota - 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 Minnesota across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Minnesota
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 236
- **Total Loan Volume:** 63,948
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 2 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 5 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 6 | [Barrington Bank & Trust Company, National Association](https://saferate.com/lenders/barrington-bank-trust-company-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 7 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 8 | [Bell Bank](https://saferate.com/lenders/bell-bank) | Bank | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 9 | [Alerus Financial, National Association](https://saferate.com/lenders/alerus-financial-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 10 | [Bremer Bank, National Association](https://saferate.com/lenders/bremer-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 11 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 12 | [Frandsen Bank & Trust](https://saferate.com/lenders/frandsen-bank-trust) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 13 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 14 | [Summit Mortgage Corporation](https://saferate.com/lenders/summit-mortgage-mn) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 15 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 16 | [Park State Bank](https://saferate.com/lenders/park-state-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 17 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 18 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 19 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 20 | [AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC](https://saferate.com/lenders/american-neighborhood-mortgage-acceptance-company) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 21 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 22 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 23 | [Luminate Home Loans, Inc.](https://saferate.com/lenders/luminate-home-loans) | Independent Mortgage Company | Sound ☺️ | Mediocre 😐 | 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: 2026-02-06*

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