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Mortgages insured by the U.S. Department of Agriculture, also known as USDA loans, cater to home buyers looking for a small-town lifestyle. It is the only government-backed loan that seeks to develop safe rural communities for families of modest means. Here are our picks for the best USDA lenders in July 2026.
Why Pennymac mortgages stand out: Pennymac is the largest U.S. lender of USDA loans and has a record of offering lower interest rates.
Availability: All 50 states and Washington, D.C.
Minimum credit score: 580 for USDA purchase loans, 620 for USDA manufactured home loans, and 640 for USDA refinances.
Mortgages insured by the U.S. Department of Agriculture, also known as USDA loans, cater to home buyers looking for a small-town lifestyle. It is the only government-backed loan that seeks to develop safe rural communities for families of modest means. Here are our picks for the best USDA lenders in July 2026.
Why Pennymac mortgages stand out: Pennymac is the largest U.S. lender of USDA loans and has a record of offering lower interest rates.
Availability: All 50 states and Washington, D.C.
Minimum credit score: 580 for USDA purchase loans, 620 for USDA manufactured home loans, and 640 for USDA refinances.
4 months ago
