The 8 Best USDA Lenders of 2021


Compare the best USDA lenders

What’s so great about finding the best USDA lenders? Well, only USDA and VA loans are available with zero down payment. So they’re an affordable route to homeownership for many buyers.

Although USDA loans are backed by the federal government, you still borrow from a private-sector lender. That means different companies will offer you better or worse mortgage rates, loan costs, and customer service.

That makes choosing the best USDA lender essential. You could save thousands by getting and comparing quotes from multiple lenders.

Verify your USDA loan eligibility (Feb 22nd, 2021)

USDA Lender Best Feature(s)*
Movement Mortgage Strong customer review scores, low average USDA rates, great online experience
Freedom Mortgage Corp. Lowest average USDA rates among top lenders
Caliber Home Loans Second-lowest average USDA rates among top lenders
Fairway Independent Mortgage Lowest upfront fees on average 
Flagstar Bank Strong customer review scores
CMG Mortgage Strong customer review scores
American Pacific Mortgage Corp. Strong customer review scores
PNC Bank Low upfront fees on average 

*Average rate and fee analysis based on self-reported data lenders are required to file under the Home Mortgage Disclosure Act. Actual rates and fees will vary by customer

Verify your USDA loan eligibility (Feb 22nd, 2021)


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The 8 best USDA lenders of 2021

Here’s what you need to know about each of our picks for the best USDA mortgage lenders.

Keep in mind when we use comparative terms (best, worst, highest, lowest) we’re measuring against the other USDA lenders our group of eight.

And because those eight are the best, even being the ‘worst’ in a particular category could mean a company is great compared with USDA lenders.

1. Movement Mortgage

Movement Mortgage was founded as recently as 2008. But, since then, it’s grown from a team of four to over 4,000.

Movement says “over 75% of [its] loans are processed in just 7 business days.”

This lender is particularly strong if you want to handle your mortgage process online. Of course, you’ll be assigned a loan officer who can help you every step of the way. But, if you prefer, you can move from application to closing wholly online.

Here are a few other highlights of working with Movement Mortgage:

  • Great customer ratings — Tied for highest on this list
  • Competitive USDA mortgage rates — Third lowest on average
  • Few complaints filed against it with the Consumer Financial Protection Bureau (CFPB)
  • Higher upfront loan costs — The most expensive on our list
  • Operates in all 50 states
  • Better Business Bureau (BBB) rating: A+

You’ll likely have a great customer experience. But you may have to pay a bit more for it. So compare Movement Mortgage rates with quotes from a few other lenders to make sure you get a great deal.

2. Freedom Mortgage…



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