Click n' Close Ranks No. 2 Among USDA Wholesale Mortgage Lenders for 2026
Click n' Close Inc., an Addison, Texas, mortgage lender with roots stretching back to 1959, has been named the second-largest wholesale lender in the U.S. Department of Agriculture's rural home loan program for 2026, a ranking that places the firm behind only industry giant United Wholesale Mortgage.
The recognition came at USDA Rural Development's National Lender of the Year Awards ceremony in Washington on June 17, where the agency honored the lenders that originated the most loans through its Single Family Housing Guaranteed Loan Program. Soliman Martinez, a division manager at Click n' Close, accepted the award on the company's behalf, according to the company.
The USDA program the ranking is based on allows low- and moderate-income buyers in designated rural areas to finance a home with no down payment. The government backs a portion of each loan made by approved private lenders, which reduces their risk and lets borrowers qualify with 100% financing. Household income generally cannot exceed 115% of the local median, and the property must sit within an area USDA classifies as rural.
Wholesale lending refers to loans a company funds through independent mortgage brokers rather than selling directly to consumers. In that arrangement, the broker works with the borrower while the wholesale lender underwrites and funds the mortgage. Click n' Close offers USDA loans through both its wholesale and correspondent channels, along with down payment assistance and financing for manufactured homes.
Chief Executive Jeff Bode tied the ranking to the company's focus on smaller markets. "Rural borrowers often get overlooked by lenders chasing volume in metro markets," Bode said in a statement. "We built our wholesale platform to serve the brokers working in those communities, and this ranking tells us that approach is paying off for the families they are helping get into homes."
The 2026 award marks a repeat showing for the lender, which USDA also recognized among its top wholesale producers a year earlier. Rural Development runs the annual awards to spotlight lenders that expand access to its housing programs, which cover home purchases, construction, repairs and refinancing across the country.
Click n' Close operates through retail, wholesale and correspondent channels and runs a title services division and a loan servicing platform. The company adopted its current name in 2022, having done business under earlier names, including Mid America Mortgage, for decades. It is licensed in multiple states and carries the Nationwide Multistate Licensing System identifier 150009.
Beyond USDA loans, the firm markets down payment assistance programs, One-Time Close construction loans and Section 184 mortgages for Native American borrowers through its 1st Tribal Lending brand. It also promotes digital closing tools, including electronic notes, that it says speed up the final steps of a mortgage.
The USDA guaranteed loan program has become a meaningful path to homeownership in parts of the country where conventional down payment requirements can price out working families. Lenders that build broker networks in those areas, as Click n' Close has done, compete for a share of a program that carries no down payment and, in many cases, no minimum credit score set by the agency itself.
About Click n' Close Inc. Click n' Close is a multi-state mortgage lender based in Addison, Texas, that operates retail, wholesale and correspondent channels along with title and servicing operations. In business under various names since 1959, the company specializes in USDA, FHA, VA and conventional loans and offers down payment assistance and construction lending programs.
Frequently Asked Questions
What award did Click n' Close receive?
The company was named the No. 2 wholesale lender nationally in the USDA's Single Family Housing Guaranteed Loan Program for the 2026 fiscal year, ranking behind United Wholesale Mortgage. The award was presented at USDA Rural Development's National Lender of the Year ceremony in Washington on June 17, 2026.
What is USDA wholesale lending?
Wholesale lending means a lender funds mortgages that independent brokers originate with borrowers, rather than lending directly to consumers. In the USDA context, the loans are backed by the government's rural housing guarantee, which lets qualified buyers in eligible rural areas purchase a home with no down payment.
Who qualifies for a USDA guaranteed loan?
The program serves low- and moderate-income buyers purchasing a primary residence in an area USDA designates as rural. Household income generally cannot exceed 115% of the local median, and eligibility depends on the property's location. Borrowers apply through approved lenders such as Click n' Close and its broker partners.
Where is Click n' Close based and how long has it operated?
The company is headquartered in Addison, Texas, and has operated under various names since 1959, adopting the Click n' Close name in 2022. It lends through retail, wholesale and correspondent channels and holds NMLS identifier 150009.