Yahoo Finance
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Department of Agriculture, also known asUSDA loans, cater to home buyers looking for a small-town lifestyle.
It is the only government-backed loan that seeks to develop safe rural communities for families of modest means.
Here are our picks for the best USDA lenders in July 2026.
Why Pennymac mortgages stand out:Pennymac is the largest U.S.
lender of USDA loans and has a record of offering lower interest rates.
Availability: All 50 states and Washington, D.C.
Minimum credit score: 580 for USDA purchase loans, 620 for USDA manufactured home loans, and 640 for USDA refinances.
(Note: Median DTI ratios are lender-submitted to Home Mortgage Disclosure Act surveys.
Pennymac did not report DTI, so we used the requirement published on their website, which assumes a 20% down payment.) According to Yahoo Finance analysis of 2024 HMDA data, Pennymac offered relatively low mortgage rates to USDA borrowers in 2024.
Mortgage rates are also easy to find and include complete disclosures.
You can also drill down with details to get a more accurate rate estimate, including your credit score range, ZIP code, and whether you prefer a lower monthly payment or a smaller amount down.
| Product | Price | Change |
|---|---|---|
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| Nat Gas TTF | $15.42/MMBtu | +0.92% |
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