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canonical_url: https://lendb.ai/in/georgia/effingham-county/usda-loans
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# Top lenders for USDA loans in Effingham County, GA

These are lenders, not loan officers. Of the lenders LenDb lists, 12 funded USDA home loans in Effingham County, GA in 2025, 16 loans in all, per HMDA, FFIEC/CFPB data. The most active were Vanderbilt Mortgage and Finance, Inc. (3), CMG Home Loans (3) and Sierra Pacific Mortgage Company Inc (1). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Effingham County are linked below.

## Most USDA loans funded, 2025

1. **[Vanderbilt Mortgage and Finance, Inc.](https://lendb.ai/lender/vanderbilt-mortgage-and-finance-inc-1561)**: 3 USDA loans
   - LenDb does not list loan officers at this lender near Effingham County yet.
2. **[CMG Home Loans](https://lendb.ai/lender/cmg-home-loans-1820)**: 3 USDA loans
   - LenDb does not list loan officers at this lender near Effingham County yet.
3. **[Sierra Pacific Mortgage Company Inc](https://lendb.ai/lender/sierra-pacific-mortgage-company-inc-1788)**: 1 USDA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Effingham County yet.
4. **[Plaza Home Mortgage, Inc.](https://lendb.ai/lender/plaza-home-mortgage-inc-2113)**: 1 USDA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Effingham County yet.
5. **[Guild Mortgage](https://lendb.ai/lender/guild-mortgage-3274)**: 1 USDA loans
   - Loan officers LenDb lists at this lender near Effingham County: 6 ([Gabe Santin](https://lendb.ai/lo/gabe-santin-2680647), [Richard Brown](https://lendb.ai/lo/richard-brown-394225), [John Stahl III](https://lendb.ai/lo/john-stahl-836606), more on the lender page)
6. **[Kind Lending, LLC](https://lendb.ai/lender/kind-lending-3925)**: 1 USDA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Effingham County yet.
7. **[Homebridge Financial Services](https://lendb.ai/lender/homebridge-financial-services-6521)**: 1 USDA loans funded, including loans brokers originated
   - LenDb does not list loan officers at this lender near Effingham County yet.
8. **[New American Funding](https://lendb.ai/lender/new-american-funding-6606)**: 1 USDA loans
   - LenDb does not list loan officers at this lender near Effingham County yet.
9. **[Movement Mortgage](https://lendb.ai/lender/movement-mortgage-39179)**: 1 USDA loans
   - Loan officers LenDb lists at this lender near Effingham County: 2 ([Jackie Alcock](https://lendb.ai/lo/jackie-alcock-246640), [Debbie D. Kennedy](https://lendb.ai/lo/debra-kennedy-659095))
10. **[Reliance First Capital, LLC](https://lendb.ai/lender/reliance-first-capital-llc-58775)**: 1 USDA loans
   - LenDb does not list loan officers at this lender near Effingham County yet.

Source: [HMDA, FFIEC/CFPB, 2025](https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.

Cite as: LenDb.ai, https://lendb.ai/in/georgia/effingham-county/usda-loans.

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