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Find the right USDA Lender for your homebuying journey. Compare your options using data from the Department of Agriculture, Better Business Bureau and customer reviews.
DHI Mortgage, part of the D.R. Horton family, secured the runner-up spot for USDA loan volume in 2025. Their strength lies in integrating DHI's homebuilding infrastructure with mortgage financing, offering one-stop convenience and a cohesive experience. Cutting-edge online tools and calculators support borrowers every step of the way. Ideal for those building new homes in USDA-eligible areas, DHI delivers speed, efficiency, and seamless coordination between home construction and financing.
Guild Mortgage stands at the very top of USDA loan originators in 2025, earning the USDA's prestigious Top Origination Award. Known for guiding borrowers with lower or alternative credit, including scores as low as 540. Guild makes rural homeownership accessible to more families. With its deep USDA expertise, streamlined digital tools, and a nationwide network of local branches. Guild makes a compelling destination for borrowers seeking a trusted, full-service experience.
Taking third place in USDA loan volume, Neighbors Bank is a go-to lender for rural and suburban homebuyers. Their standout offering: a comprehensive USDA homebuying guide that empowers borrowers with clarity around eligibility, requirements, and next steps. With its balanced mix of local service and digital convenience, Neighbors Bank combines community-focused support with modern mortgage tools, making USDA loans easier to navigate.
Ranking fifth for USDA loans in 2025, Fairway Independent Mortgage Corp is widely recognized for offering USDA mortgages nationwide. Their strong online presence, user-first tools (like USDA loan qualifiers), and hybrid closing options make the process smooth and accessible. With flexible underwriting, fairway appeals to a broad audience and makes USDA financing straightforward.
Flat Branch Mortgage soared to fourth nationally in USDA loan volume, increasing its closings by 10% in 2025. Their sharp focus on rural homeownership, promoting zero-down USDA loans and low rates, resonates strongly with borrowers. If you're seeking a lender deeply committed to rural communities with fast, friendly service, Flat Branch Mortgage is definitely worth exploring.
Before you commit to any lender be sure to shop around to see how other mortgage lenders compare. USDAloans.com makes it easy to compare from a list of top USDA lenders compiled from data provided by the U.S. Department of Agriculture well suited for rural homebuyers.
* The top five consumer-facing lenders are displayed according to loan volume as reported by the Department of Agriculture (2025 Top Guaranteed Rural Housing Lenders - Origination-PDF).
† ICB Solutions is a division of Neighbors Bank, which is an affiliate of Mortgage Research Center, LLC.
1 Better Business Bureau: BBB Rating, accreditation, review, and complaint data are provided by the Better Business Bureau. USDALoans.com is not affiliated with the Better Business Bureau and has no control or influence over the information provided.
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