Best USDA Loan Lenders of February 2025

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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/mortgages/best-usda-loan-lenders"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best USDA Loan Lenders of February 2025","alternativeHeadline":"Best USDA Loan Lenders of February 2025","image":{"@type":"ImageObject","url":"https://i.insider.com/60c3792323393a00188e2a53?width=1200&format=jpeg","width":1200,"height":900,"caption":"USDA loans are mortgages backed by the United States Department of Agriculture that often have more lenient terms than conforming loans."},"name":"Best USDA Loan Lenders of February 2025","datePublished":"2025-01-31T22:01:01Z","dateModified":"2025-01-31T22:01:01Z","description":"Looking for a USDA loan? Learn about the top USDA mortgage lenders and find out what sets them apart for financing rural and suburban properties.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.Don't have money for a down payment? A USDA loan might be a great option for you if you qualify.USDA loans are backed by the United States Department of Agriculture. They're available to low-to-moderate income borrowers who live in eligible rural and suburban areas. You can use the USDA's property search tool to see if a home you're looking at is in an eligible area.USDA loans require no down payment and often have better interest rates compared with conventional loans.To find the best USDA loan lenders, Business Insider looked for mortgage lenders that offer affordable features on their loans, such as flexible credit guidelines or the ability to apply with non-traditional credit (like rent payment history).These are the best USDA loan lenders of 2025 according to Business Insider editors.620Fairway Independent Mortgage Corporation is our top pick because it offers a convenient experience and ranks high in customer satisfaction. It was also one of the top originators of USDA loans in 2024, according to the USDA.Fairway Independent has an easy-to-navigate website and a hybrid closing option, making it an extremely convenient USDA lender to work with. Fairway also ranked high in J.D. Power's 2024 Mortgage Origination Satisfaction Study, making it a good choice if customer service is important to you.What to look out for: You may need a score of 640 or 660 to qualify for a USDA loan with this lender, but it depends on your overall financial profile.Fairway Independent Mortgage Corporation Review620Flagstar Bank ranks very high in customer satisfaction and has an easy application process, making it a particularly good lender for first-time homebuyers getting a USDA loan.What to look out for: Flagstar Bank has a good rate tool that lets you see personalized mortgage rates, but it doesn't include USDA loan rates.Flagstar Bank Mortgage Review600Guild Mortgage is an affordable option, especially for borrowers who have a low credit score or no credit score. If you have no score, you can use non-traditional credit, such as rent or utility payment history, to qualify. Guild is the second largest originator of USDA loans in the country, according to the USDA.This lender's minimum credit score for USDA loans is 540, which is lower than many other lenders. Guild also offers a hybrid closing option, enabling borrowers to sign some of their paperwork ahead of time and have a quick closing appointment.What to look out for: Guild doesn't display any rates online. It also ranked below average in J.D. Power's 2024 satisfaction study.Guild Mortgage Review580Movement Mortgage is another good option for borrowers with low credit scores, since you can qualify with a score as low as 580 with this lender. It's also the top originator of USDA loans in the country, according to the USDA. Plus, it ranked No. 2 in customer satisfaction in 2024, according to J.D. Power.What to look out for: Movement doesn't show any rates online, making it difficult to gauge what you might pay with this lender. Movement Mortgage ReviewUSDA loans are a type of government-backed mortgage. They're guaranteed by the U.S. Department of Agriculture, meaning that they're originated by private lenders that the USDA will compensate if a borrower defaults on their loan.This makes these mortgages less risky for lenders, allowing them to offer lower mortgage rates. The two other main types of government-backed mortgages are FHA loans and VA loans.These loans offer up to 100% financing, which means you won't need to make a down payment to get a USDA loan. However, you will need to bring some of your own cash to the table since you'll still have to pay closing costs.You may qualify for a USDA loan if you're in a rural or suburban area that is a USDA-designated \"rural area.\" The USDA has a tool you can use to see if an address is in an eligible area.Additionally, your household should be at a low-to-moderate income level. The maximum income requirement depends on where you live, and you can see your county's income limit here.As you search for USDA loan lenders, it's a good idea to familiarize yourself with each lender's individual credit requirements, since they can differ quite a bit. Some lenders allow borrowers with scores as low as 580 to get a USDA loan, while other lenders require scores in the mid-to-high 600s. USDA loans are the least-utilized of the three main types of government-backed mortgages, and not every lender offers them. To have a smooth experience, you'll want to work with a lender and loan officer who has a lot of experience doing these types of loans. According to the USDA, most of the lenders included on our list were top originators of USDA loans in 2024, including Fairway Independent, Movement Mortgage, and Guild.Apply for a mortgage with at least two or three different USDA lenders to compare rates and fees so you can see which one can offer you the best overall deal.Working with a lender that ranks high in customer satisfaction can help you have a smoother mortgage experience, which is especially important if you're buying rather than refinancing. When you're purchasing a home, you're on a deadline, so working with a lender that offers great customer service is vital.Find the best fit for you by exploring multiple types of mortgage lenders. You can find a list of lenders in your state that offer these loans on the USDA's website.Local lenders can be beneficial because they're familiar with your area and local real estate market. They also often can provide more personalized support compared with lenders that lend to a large number of borrowers around the country.Large lenders and banks can offer beneficial features you might not get with a small lender, like a convenient online process or robust digital tools to manage your application. Mortgage brokers work with many different lenders to help you compare multiple loan options at one time. This can be more convenient and help you save money.We think Fairway Independent is one of the best USDA lenders, but the right lender for you depends on your individual needs and financial circumstances, so be sure to shop around and compare multiple lenders.The exact income limit for a USDA loan varies by county. In general, USDA loans are for people with low-to-moderate income levels.Credit-wise, it can be harder to get approved for a USDA loan compared to other government-backed mortgages, since many lenders require scores of at least 640.No, not all banks originate USDA loans.Some of the main downsides of USDA loans are that they're only available in certain areas and you'll need to pay an upfront and annual guarantee fee to get one.We consulted mortgage and financial experts to inform these picks and provide their insights about mortgage lenders. Here's what they had to say about USDA mortgages. (Some text may be lightly edited for clarity.)How can someone decide between a conventional mortgage vs. a government-backed mortgage, like a USDA loan?Molly Grace, Business Insider\"USDA loans tend to be less popular than other government-backed loan options, but they're a really affordable pick if you meet the requirements. If you have a lower income and live in an eligible area (which, unless you live in a bigger city, you likely do), a USDA loan can be a good choice.\"What factors should someone take into consideration when choosing a mortgage lender?Anthony Park, author:\"The canned answer is to just go with the lowest rate. However, you also want to take into account who's going to serve your loan best. Are repayments going to be easy for you? Who is most likely to be able to help you if you need to take out a HELOC or refinance later, versus somebody who's more of a one-off type?\"They may have the lowest rates to get you involved, but they might have very, very little hand holding after the fact. I wouldn't recommend paying an exorbitant amount more for potential services in the future, but just don't always necessarily go with the rock-bottom lowest rate. There's sometimes a cost with that.\"Molly Grace, Business Insider:\"Remember that you're not just choosing a mortgage lender — you're also building a homebuying team. To snag the home you want in this competitive market, you need a lender that can move quickly and has good communication with you and your real estate agent.When I was looking for a house, I was able to text my loan officer (whom my real estate agent recommended) and get quick replies when I had questions or needed an updated preapproval letter for an offer. As you compare lenders, pay attention to how responsive they are, and ask your agent if they have any experience with the lenders you're considering.\"How can someone know whether they're financially ready to buy a home?Lauryn Williams, CFP:\"You should have funds left over after everything is said and done as it pertains to purchasing the home. So if you don't have an emergency fund plus a down payment, you're probably not ready to purchase a home. Another thing I think about is credit card debt. While you can be approved for a mortgage with credit card debt and student loans and very little cash on hand, you put yourself in a very risky situation.\"Julie Aragon, Aragon Lending Team:\"You should have enough money for a down payment and closing costs. You don't have to have any reserves — you can have no money in the bank. But that doesn't mean you should have no money left over after your down payment and closing costs. I like to say it'd be good to have three to six months of expenses saved after down payment and closing costs. That might be a good sign that you're ready.\"To choose the top USDA loan lenders, we looked at three main factors:See our full methodology for evaluating mortgage lenders »","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Who is the best lender for a USDA loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">We think Fairway Independent is one of the best USDA lenders, but the right lender for you depends on your individual needs and financial circumstances, so be sure to shop around and compare multiple lenders.</p>"}},{"@type":"Question","name":"What is the income limit for a USDA loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The exact income limit for a USDA loan varies by county. In general, USDA loans are for people with low-to-moderate income levels.</p>"}},{"@type":"Question","name":"Are USDA loans hard to qualify for?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Credit-wise, it can be harder to get approved for a USDA loan compared to other government-backed mortgages, since many lenders require scores of at least 640.</p>"}},{"@type":"Question","name":"Do all banks do USDA loans?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, not all banks originate USDA loans.</p>"}},{"@type":"Question","name":"What is the downside to a USDA loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Some of the main downsides of USDA loans are that they're only available in certain areas and you'll need to pay an upfront and annual guarantee fee to get one.</p>"}}]} </script> <script type="application/ld+json"> 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class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2025-01-31T22:01:01Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-01-31T22:01:01Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="legacy-share" data-load-strategy="interaction" data-location="" > <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#the-best-usda-loan-lenders" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > The Best USDA Loan Lenders </a> </li> <li> <a href="#compare-top-lenders" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare Top Lenders </a> </li> <li> <a href="#understanding-usda-loans" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Understanding USDA Loans </a> </li> <li> <a href="#what-to-look-for-in-a-lender" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What to Look for in a Lender </a> </li> <li> <a href="#where-to-find-the-best-lenders" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Where to Find the Best Lenders </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>Don't have money for a down payment? A <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/usda-loan" data-analytics-product-module="body_link" rel="">USDA loan</a> might be a great option for you if you qualify.</p><p>USDA loans are backed by the United States Department of Agriculture. They're available to low-to-moderate income borrowers who live in eligible rural and suburban areas. You can use the <a target="_blank" rel="noopener" href="https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp" data-analytics-product-module="body_link">USDA's property search tool</a> to see if a home you're looking at is in an eligible area.</p><p>USDA loans require no down payment and often have better interest rates compared with <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/conventional-mortgage" data-analytics-product-module="body_link" rel="">conventional loans</a>.</p><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://static.myfinance.com/widget/myFinance.js" data-async="true" data-defer="true"></div> </div><h2 id="the-best-usda-loan-lenders" data-toc-id="9847ccd6-b9a5-4fc1-8b11-6372aba7ec32" data-toc-label="The Best USDA Loan Lenders" class="toc-anchor">The Best USDA Loan Lenders</h2><ul><li>Fairway Independent Mortgage USDA Mortgage: Best overall</li><li>Flagstar Bank USDA Mortgage: Best for first-time homebuyers</li><li>Guild USDA Mortgage: Best for low or no credit</li><li>Movement USDA Mortgage: Best for USDA expertise</li></ul><p>To find the best USDA loan lenders, Business Insider looked for mortgage lenders that offer affordable features on their loans, such as flexible credit guidelines or the ability to apply with non-traditional credit (like rent payment history).</p><h2 id="compare-top-lenders" data-toc-id="32ee0d27-424e-4fb0-b5df-5f0eade6bca4" data-toc-label="Compare Top Lenders" class="toc-anchor">Compare the Top USDA Loan Lenders</h2><p>These are the best USDA loan lenders of 2025 according to Business Insider editors.</p><h3 id="65b13075-129a-47af-9d6b-7112b9cd75d1" data-toc-id="65b13075-129a-47af-9d6b-7112b9cd75d1" data-toc-label="Best Overall">Best USDA Lender Overall: <strong>Fairway Independent Mortgage Corporation</strong></h3> <div id="fairway-independent-mortgage-usda-mortgage" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best overall </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Fairway Independent Mortgage USDA Mortgage</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/a093b9bc3a8b" rel="nofollow noindex" data-analytics-product-id="6230cef8f7985a001ab83855" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage USDA Mortgage" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Fairway Independent Mortgage Corporation's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/a093b9bc3a8b" rel="nofollow noindex" data-analytics-product-id="6230cef8f7985a001ab83855" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage USDA Mortgage" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fee7bd72a25001973d04f?width=400" alt="Fairway Independent Mortgage Corporation Fairway Independent Mortgage USDA Mortgage"> <noscript> <img class="no-script" src="https://i.insider.com/621fee7bd72a25001973d04f?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="6230cef8f7985a001ab83855-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.40356833428241345"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.40356833428241345)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7426601126673258"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7426601126673258)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.28269428809372"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.28269428809372)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.01476418484469999"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.01476418484469999)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6072411317967452"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6072411317967452)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="6230cef8f7985a001ab83855" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage USDA Mortgage" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers USDA mortgages in all 50 US states</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Accepts alternative credit data</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Easy-to-navigate website</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Option to close on your mortgage digitally instead of in person</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't show mortgage rates online</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>You may need a credit score as high as 640 or 660 if other parts of your financial profile aren't strong</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/fairway-independent-mortgage-corporation-review" data-analytics-product-id="6230cef8f7985a001ab83855" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage USDA Mortgage" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Fairway Independent Mortgage Corporation <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgages in all 50 US states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Branches in every US state except Alaska and West Virginia</li> <li class="financial-product-card__product-details__list-item">Apply with alternative credit data (such as proof that you pay bills on time) if you have a poor or no credit score</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6230cef8f7985a001ab83855" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage USDA Mortgage" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Fairway Independent Mortgage Corporation is our top pick because it offers a convenient experience and ranks high in customer satisfaction. It was also one of the top originators of USDA loans in 2024, according to the USDA.</p><p>Fairway Independent has an easy-to-navigate website and a hybrid closing option, making it an extremely convenient USDA lender to work with. Fairway also ranked high in <a target="_blank" rel="noopener nofollow" href="https://www.jdpower.com/business/press-releases/2024-us-mortgage-origination-satisfaction-study" data-analytics-product-module="body_link">J.D. Power's 2024 Mortgage Origination Satisfaction Study</a>, making it a good choice if customer service is important to you.</p><p><strong>What to look out for: </strong>You may need a score of 640 or 660 to qualify for a USDA loan with this lender, but it depends on your overall financial profile.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/fairway-independent-mortgage-corporation-review" data-analytics-product-module="body_link" rel=""><em>Fairway Independent Mortgage Corporation Review</em></a></p><h3 id="2835529f-de45-4029-a168-9cee4cf2ee96" data-toc-id="2835529f-de45-4029-a168-9cee4cf2ee96" data-toc-label="Best for First-Time Homebuyers">Best USDA Lender for First-Time Homebuyers: <strong>Flagstar Bank</strong></h3> <div id="flagstar-bank-usda-mortgage" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for first-time homebuyers </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Flagstar Bank USDA Mortgage</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="6230fa69f7985a001ab83972" data-analytics-product-brand="Bankrate" data-analytics-product-name="Flagstar Bank USDA Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get started </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Bankrate's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="6230fa69f7985a001ab83972" data-analytics-product-brand="Bankrate" data-analytics-product-name="Flagstar Bank USDA Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60ca682920bd1300181c6b57?width=400" alt="Bankrate Flagstar Bank USDA Mortgage"> <noscript> <img class="no-script" src="https://i.insider.com/60ca682920bd1300181c6b57?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="6230fa69f7985a001ab83972-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.40082883750308285"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.40082883750308285)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.398508859762412"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.398508859762412)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4794370504759542"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4794370504759542)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.18068065632877417"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.18068065632877417)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.09024301353102526"> <stop stop-color="#faa809" offset="25%"></stop> <stop stop-color="white" offset="25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.09024301353102526)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.25<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="6230fa69f7985a001ab83972" data-analytics-product-brand="Bankrate" data-analytics-product-name="Flagstar Bank USDA Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>USDA mortgages are available in all 50 US states</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>See personalized mortgage rates online</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't accept alternative credit data</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/flagstar-bank-mortgage-review" data-analytics-product-id="6230fa69f7985a001ab83972" data-analytics-product-brand="Bankrate" data-analytics-product-name="Flagstar Bank USDA Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Flagstar Bank <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers USDA mortgages in all 50 US states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Doesn't accept alternative forms of credit, such as utility bills, instead of a credit score — Flagstar will complete a hard credit pull</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6230fa69f7985a001ab83972" data-analytics-product-brand="Bankrate" data-analytics-product-name="Flagstar Bank USDA Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Flagstar Bank ranks very high in customer satisfaction and has an easy application process, making it a particularly good lender for first-time homebuyers getting a USDA loan.</p><p><strong>What to look out for: </strong>Flagstar Bank has a good rate tool that lets you see personalized <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">mortgage rates</a>, but it doesn't include USDA loan rates.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/flagstar-bank-mortgage-review" data-analytics-product-module="body_link" rel=""><em>Flagstar Bank Mortgage Review</em></a></p><h3 id="3a3d5f01-ae01-4c18-89b9-dbcdf4b1db9a" data-toc-id="3a3d5f01-ae01-4c18-89b9-dbcdf4b1db9a" data-toc-label="Best for Low or No Credit">Best USDA Lender for Low or No Credit: <strong>Guild Mortgage</strong></h3> <div id="guild-usda-mortgage" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for non-traditional credit </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Guild USDA Mortgage</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/jc92c63523e9" rel="nofollow noindex" data-analytics-product-id="62310453f7985a001ab8399f" data-analytics-product-brand="Guild Mortgage" data-analytics-product-name="Guild USDA Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Guild Mortgage's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/jc92c63523e9" rel="nofollow noindex" data-analytics-product-id="62310453f7985a001ab8399f" data-analytics-product-brand="Guild Mortgage" data-analytics-product-name="Guild USDA Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621ff53904579d001893be83?width=400" alt="Guild Mortgage Guild USDA Mortgage"> <noscript> <img class="no-script" src="https://i.insider.com/621ff53904579d001893be83?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="62310453f7985a001ab8399f-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.22894787964370011"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.22894787964370011)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.899027919223683"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.899027919223683)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.45345004307414616"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.45345004307414616)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.25610659440922046"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.25610659440922046)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8912455819914804"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8912455819914804)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">600</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="62310453f7985a001ab8399f" data-analytics-product-brand="Guild Mortgage" data-analytics-product-name="Guild USDA Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Minimum 600 credit score for USDA mortgages</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Accepts alternative credit data</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Hybrid closing option</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Unavailable to residents of New Jersey or New York</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/guild-mortgage-review" data-analytics-product-id="62310453f7985a001ab8399f" data-analytics-product-brand="Guild Mortgage" data-analytics-product-name="Guild USDA Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Guild Mortgage <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgages in every US state except New York and New Jersey</li> <li class="financial-product-card__product-details__list-item">Branches in 32 US states</li> <li class="financial-product-card__product-details__list-item">Show alternative credit data, such as utility bills, to help your application if you have a poor credit score</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="62310453f7985a001ab8399f" data-analytics-product-brand="Guild Mortgage" data-analytics-product-name="Guild USDA Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Guild Mortgage is an affordable option, especially for borrowers who have a low credit score or no credit score. If you have no score, you can use non-traditional credit, such as rent or utility payment history, to qualify. Guild is the second largest originator of USDA loans in the country, according to the USDA.</p><p>This lender's minimum credit score for USDA loans is 540, which is lower than many other lenders. Guild also offers a hybrid closing option, enabling borrowers to sign some of their paperwork ahead of time and have a quick closing appointment.</p><p><strong>What to look out for: </strong>Guild doesn't display any rates online. It also ranked below average in J.D. Power's 2024 satisfaction study.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/guild-mortgage-review" data-analytics-product-module="body_link" rel=""><em>Guild Mortgage Review</em></a></p><h3 id="e92c30b7-59b6-4325-a66f-fed6e08837b5" data-toc-id="e92c30b7-59b6-4325-a66f-fed6e08837b5" data-toc-label="Best for USDA Expertise">Best Lender for USDA Expertise: <strong>Movement Mortgage</strong></h3> <div id="movement-usda-mortgage" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for low credit scores </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Movement USDA Mortgage</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="623105835104a00019701635" data-analytics-product-brand="Bankrate" data-analytics-product-name="Movement USDA Mortgage" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Bankrate's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="623105835104a00019701635" data-analytics-product-brand="Bankrate" data-analytics-product-name="Movement USDA Mortgage" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/622f65c2843ef30018e6e79d?width=400" alt="Bankrate Movement USDA Mortgage"> <noscript> <img class="no-script" src="https://i.insider.com/622f65c2843ef30018e6e79d?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="623105835104a00019701635-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.012715485735597332"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.012715485735597332)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6382943776138077"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6382943776138077)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9970155205122091"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9970155205122091)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5954946000880561"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5954946000880561)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3850183514270975"> <stop stop-color="#faa809" offset="62%"></stop> <stop stop-color="white" offset="62%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3850183514270975)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.62<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">580</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="623105835104a00019701635" data-analytics-product-brand="Bankrate" data-analytics-product-name="Movement USDA Mortgage" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers USDA mortgages in all 50 states</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Minimum 580 credit score for a USDA mortgage</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No personalized mortgage rates shown on the website</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't accept alternative credit data for USDA mortgages</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/movement-mortgage-review" data-analytics-product-id="623105835104a00019701635" data-analytics-product-brand="Bankrate" data-analytics-product-name="Movement USDA Mortgage" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Movement Mortgage <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgage rates in all 50 US states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">You can apply with alternative credit data for an FHA mortgage, but not a USDA mortgage</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="623105835104a00019701635" data-analytics-product-brand="Bankrate" data-analytics-product-name="Movement USDA Mortgage" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Movement Mortgage is another good option for borrowers with low credit scores, since you can qualify with a score as low as 580 with this lender. It's also the top originator of USDA loans in the country, according to the USDA. Plus, it ranked No. 2 in customer satisfaction in 2024, according to J.D. Power.</p><p><strong>What to look out for: </strong>Movement doesn't show any rates online, making it difficult to gauge what you might pay with this lender. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/movement-mortgage-review" data-analytics-product-module="body_link" rel=""><em>Movement Mortgage Review</em></a></p><h2 id="understanding-usda-loans" data-toc-id="cd396370-75c1-455a-b299-54fc6404009f" data-toc-label="Understanding USDA Loans" class="toc-anchor">Understanding USDA Loans</h2><h3 id="a070db52-e938-40b4-ac13-54d16f69678d" data-toc-id="a070db52-e938-40b4-ac13-54d16f69678d">Government-Backed</h3><p>USDA loans are a type of <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/government-home-loans" data-analytics-product-module="body_link" rel="">government-backed mortgage</a>. They're guaranteed by the U.S. Department of Agriculture, meaning that they're originated by private lenders that the USDA will compensate if a borrower defaults on their loan.</p><p>This makes these mortgages less risky for lenders, allowing them to offer lower mortgage rates. The two other main types of government-backed mortgages are FHA loans and VA loans.</p><h3 id="dbf95639-1317-4c40-ace3-c31ca448af2d" data-toc-id="dbf95639-1317-4c40-ace3-c31ca448af2d">Zero Down Payment</h3><p>These loans offer up to 100% financing, which means you won't need to make a <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/how-much-down-payment-for-a-house" data-analytics-product-module="body_link" rel="">down payment</a> to get a USDA loan. However, you will need to bring some of your own cash to the table since you'll still have to pay closing costs.</p><h3 id="7eaeed4a-b8e2-4059-9853-9d46705ae1eb" data-toc-id="7eaeed4a-b8e2-4059-9853-9d46705ae1eb">Income and Location Restrictions</h3><p>You may qualify for a USDA loan if you're in a rural or suburban area that is a USDA-designated "rural area." The <a target="_blank" rel="noopener" href="https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp" data-analytics-product-module="body_link">USDA has a tool</a> you can use to see if an address is in an eligible area.</p><p>Additionally, your household should be at a low-to-moderate income level. The maximum income requirement depends on where you live, and <a target="_blank" rel="noopener" href="https://www.rd.usda.gov/sites/default/files/rd-grhlimitmap.pdf" data-analytics-product-module="body_link">you can see your county's income limit here</a>.</p><h3 id="a53098cb-9cba-46c6-a129-47438ab8333d" data-toc-id="a53098cb-9cba-46c6-a129-47438ab8333d">Lender Requirements</h3><p>As you search for USDA loan lenders, it's a good idea to familiarize yourself with each lender's individual credit requirements, since they can differ quite a bit. Some lenders allow borrowers with scores as low as 580 to get a USDA loan, while other lenders require scores in the mid-to-high 600s. </p><h2 id="what-to-look-for-in-a-lender" data-toc-id="9a8c81cb-5ced-4155-9b65-1718ca1ea999" data-toc-label="What to Look for in a Lender" class="toc-anchor">What to Look for in a USDA Lender</h2><h3 id="6857d89f-3251-4663-9e94-3fb451886916" data-toc-id="6857d89f-3251-4663-9e94-3fb451886916">USDA Expertise</h3><p>USDA loans are the least-utilized of the three main types of government-backed mortgages, and not every lender offers them. To have a smooth experience, you'll want to work with a lender and loan officer who has a lot of experience doing these types of loans. </p><p>According to the USDA, most of the lenders included on our list were top originators of USDA loans in 2024, including Fairway Independent, Movement Mortgage, and Guild.</p><h3 id="2611fec3-d489-4227-ae8e-94213b0f0c0f" data-toc-id="2611fec3-d489-4227-ae8e-94213b0f0c0f">Competitive Rates and Fees</h3><p>Apply for a mortgage with at least two or three different USDA lenders to compare rates and fees so you can see which one can offer you the best overall deal.</p><h3 id="09e143fa-84e0-4a22-94b0-bed40123637f" data-toc-id="09e143fa-84e0-4a22-94b0-bed40123637f">Customer Service</h3><p>Working with a lender that ranks high in customer satisfaction can help you have a smoother mortgage experience, which is especially important if you're buying rather than refinancing. When you're purchasing a home, you're on a deadline, so working with a lender that offers great customer service is vital.</p><h2 id="where-to-find-the-best-lenders" data-toc-id="e71428ba-2f06-4586-b656-164d95833686" data-toc-label="Where to Find the Best Lenders" class="toc-anchor">Where to Find the Best USDA Lenders</h2><p>Find the best fit for you by exploring multiple types of mortgage lenders. You can find a list of lenders in your state that offer these loans on the <a target="_blank" rel="noopener" href="https://www.rd.usda.gov/resources/lenders" data-analytics-product-module="body_link">USDA's website</a>.</p><h3 id="902a9c27-000e-462d-9b24-75122811bed4" data-toc-id="902a9c27-000e-462d-9b24-75122811bed4">Local Lenders</h3><p>Local lenders can be beneficial because they're familiar with your area and local real estate market. They also often can provide more personalized support compared with lenders that lend to a large number of borrowers around the country.</p><h3 id="392c1baa-87cc-41fe-b021-faa8f140c8eb" data-toc-id="392c1baa-87cc-41fe-b021-faa8f140c8eb">Nationwide Lenders</h3><p>Large lenders and banks can offer beneficial features you might not get with a small lender, like a convenient online process or robust digital tools to manage your application. </p><h3 id="e9928b7d-298c-4732-80c0-86811527ef2b" data-toc-id="e9928b7d-298c-4732-80c0-86811527ef2b">Mortgage Brokers</h3><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-broker" data-analytics-product-module="body_link" rel="">Mortgage brokers</a> work with many different lenders to help you compare multiple loan options at one time. This can be more convenient and help you save money.</p><h2 id="faqs" data-toc-id="e435e79f-f834-4c50-b00a-e7c918c10b42" data-toc-label="FAQs" class="toc-anchor">Best USDA Loan Lenders FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is the best lender for a USDA loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">We think Fairway Independent is one of the best USDA lenders, but the right lender for you depends on your individual needs and financial circumstances, so be sure to shop around and compare multiple lenders.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the income limit for a USDA loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The exact income limit for a USDA loan varies by county. In general, USDA loans are for people with low-to-moderate income levels.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are USDA loans hard to qualify for? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Credit-wise, it can be harder to get approved for a USDA loan compared to other government-backed mortgages, since many lenders require scores of at least 640.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do all banks do USDA loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, not all banks originate USDA loans.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the downside to a USDA loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Some of the main downsides of USDA loans are that they're only available in certain areas and you'll need to pay an upfront and annual guarantee fee to get one.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="50499da5-8a05-4614-94ab-537586f05fd1" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: Experts' Advice on Choosing the Best USDA Loan Lenders</h2> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 765 / 1956)"> <meta itemprop="contentUrl" content="https://i.insider.com/643432043007470019fe4f18"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/643432043007470019fe4f18":{"contentType":"image/png","aspectRatioW":1956,"aspectRatioH":765}}" alt="Mortgage expert panel"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Insider </span> </span> </figure> <p>We consulted mortgage and financial experts to inform these picks and provide their insights about mortgage lenders. </p><ul><li><strong>Anthony Park</strong>, author of <a target="_blank" rel="noopener nofollow noindex" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71275-20&h=7acf6c16b20b5945df70c15163f8e1ad0fa5ceeca46ade67f263ac1104a05f9a&platform=browser&postID=669be330c87a0f57098d4c2e&postSlug=personal-finance%2Fmortgages%2Fbest-usda-loan-lenders&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FHow-Your-Perfect-First-Home-ebook%2Fdp%2FB07KXVCHV2" data-am-orig-url="https://affiliate.insider.com/?h=7acf6c16b20b5945df70c15163f8e1ad0fa5ceeca46ade67f263ac1104a05f9a&u=https%3A%2F%2Fwww.amazon.com%2FHow-Your-Perfect-First-Home-ebook%2Fdp%2FB07KXVCHV2">"How to Buy Your Perfect First Home"</a></li><li><strong>Lauryn Williams</strong>, certified financial planner, founder of <a target="_blank" rel="noopener nofollow" href="https://www.worth-winning.com/">Worth Winning Financial Planning</a></li><li><strong>Julie Aragon</strong>, mortgage broker, founder of <a target="_blank" rel="noopener nofollow" href="https://aragonlending.com/">Aragon Lending Team</a></li><li><strong>Molly Grace</strong>, mortgage reporter at <a target="_blank" href="https://www.businessinsider.com/personal-finance" rel="">Business Insider</a></li></ul><p>Here's what they had to say about USDA mortgages. (Some text may be lightly edited for clarity.)</p><p><strong>How can someone decide between a conventional mortgage vs. a government-backed mortgage, like a USDA loan?</strong></p><p><strong>Molly Grace, Business Insider</strong></p><p>"USDA loans tend to be less popular than other government-backed loan options, but they're a really affordable pick if you meet the requirements. If you have a lower income and live in an eligible area (which, unless you live in a bigger city, you likely do), a USDA loan can be a good choice."</p><p><strong>What factors should someone take into consideration when choosing a mortgage lender?</strong></p><p><strong>Anthony Park, author:</strong></p><p>"The canned answer is to just go with the lowest rate. However, you also want to take into account who's going to serve your loan best. Are repayments going to be easy for you? Who is most likely to be able to help you if you need to take out a HELOC or refinance later, versus somebody who's more of a one-off type?</p><p>"They may have the lowest rates to get you involved, but they might have very, very little hand holding after the fact. I wouldn't recommend paying an exorbitant amount more for potential services in the future, but just don't always necessarily go with the rock-bottom lowest rate. There's sometimes a cost with that."</p><p><strong>Molly Grace, Business Insider:</strong></p><p>"Remember that you're not just choosing a mortgage lender — you're also building a homebuying team. To snag the home you want in this competitive market, you need a lender that can move quickly and has good communication with you and your real estate agent.</p><p>When I was looking for a house, I was able to text my loan officer (whom my real estate agent recommended) and get quick replies when I had questions or needed an updated preapproval letter for an offer. As you compare lenders, pay attention to how responsive they are, and ask your agent if they have any experience with the lenders you're considering."</p><p><strong>How can someone know whether they're financially ready to buy a home?</strong></p><p><strong>Lauryn Williams, CFP:</strong></p><p>"You should have funds left over after everything is said and done as it pertains to purchasing the home. So if you don't have an <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-an-emergency-fund" data-analytics-product-module="body_link" rel="">emergency fund</a> <em>plus</em> a down payment, you're probably not ready to purchase a home. Another thing I think about is credit card debt. While you can be approved for a mortgage with credit card debt and student loans and very little cash on hand, you put yourself in a very risky situation."</p><p><strong>Julie Aragon, Aragon Lending Team:</strong></p><p>"You should have enough money for a down payment and closing costs. You don't have to have any reserves — you can have no money in the bank. But that doesn't mean you <em>should</em> have no money left over after your down payment and closing costs. I like to say it'd be good to have three to six months of expenses saved after down payment and closing costs. That might be a good sign that you're ready."</p><h2 id="db1e4abf-af78-4723-9827-e6a2fbb131c0" data-toc-id="db1e4abf-af78-4723-9827-e6a2fbb131c0"><strong>Methodology: How Did We Choose the Best USDA Loan Lenders?</strong></h2><p>To choose the top USDA loan lenders, we looked at three main factors:</p><ul><li><strong>Affordability/credit score.</strong> USDA loans are known for being an affordable option, with no down payment for qualifying borrowers. They also may have more lenient credit score requirements than conventional mortgages, but this isn't always the case. We chose lenders that accept low credit scores or are flexible about credit scores if other parts of your financial profile are strong. Some of the companies on our list also accept alternative forms of credit in place of a credit score.</li><li><strong>Customer satisfaction.</strong> If the lender appeared in the J.D. Power 2024 Mortgage Origination Satisfaction Study, we looked at its ranking. We also read online customer reviews to get a sense of what borrowers like and dislike about each lender.</li><li><strong>Ethics.</strong> Almost all of our top picks received an A or A+ from the <a target="_blank" rel="noopener nofollow" href="https://www.bbb.org/">Better Business Bureau</a>, which measures companies' trustworthiness.</li></ul><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" data-analytics-product-module="body_link" rel=""><strong>See our full methodology for evaluating mortgage lenders »</strong></a></p><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img class="no-script" src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! 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