11 Best USDA Mortgage Lenders of June 2026

Veterans United originates more VA mortgages than any other lender. With average APRs being lower than competitors, it’s a solid pick for veterans and military borrowers.

PNC Bank offers a wide selection of loans and refinance options, with a streamlined digital experience and comprehensive rates tool.

Flagstar Bank stands out for having a wide variety of home loan options, including harder-to-find products. But take note that Flagstar has reduced its mortgage business as part of corporate restructuring. For now, Flagstar is most likely to appeal to existing customers.

With a standout combo of low rates and fees, and a strong product lineup, Truist is worth a look for financing a home purchase. Preapproval and customer care happen mostly offline. Despite the human touch, however, customer satisfaction ratings are notably low. Most likely to appeal to borrowers looking for affordable home loans.

Andrews Federal Credit Union is on the smaller side, but offers big value through low rates and good customer support. Its online rate quote tool is exceptionally informative. Renovation loans aren’t available.

First Federal Bank stands out for its competitive APRs and its emphasis on government loans. Most likely to appeal to borrowers shopping for low rates and fees.

In addition to conventional and government-backed loans, Northpointe Bank’s mortgage portfolio includes rarer offerings like doctor loans, condo loans and investment property loans. However, average fees and rates tend to be comparatively high.

U.S. Bank offers a broad selection of mortgages, including niche options like loans for manufactured homes. Rates and fees tend to be higher than many of our surveyed lenders. The bank offers helpful tech for rate shopping and live chat, though its online application could be smoother. Low-income borrowers who qualify can get down payment and closing cost assistance.

Carrington Mortgage offers specialty loans for people who might have trouble getting a mortgage elsewhere, like self-employed borrowers or those with heavy debt. However, average rates and fees are higher than competitors.

Alliant Credit Union allows you to see a wide range of customized mortgage rates without sharing your contact information, and offers competitive loan products for first-time home buyers.

Network Capital stands out for its focus on borrowers with lower credit score, and offering competitive refinance products.