Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Baton Rouge

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders15

Total Loans7,949

Median Rate Spread0.43%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Red River BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$995Fees	0.122%Below	92
2	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,339Fees	0.061%Above	288
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,256Fees	0.057%Below	18
4	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,761Fees	0.180%Above	211
5	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,679Fees	0.079%Above	64
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,757Fees	0.202%Above	30
7	Gulf Coast Bank and Trust CompanyBank	Strong	Sound	Strong	Strong	Strong	$1,871Fees	0.281%Above	191
8	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,364Fees	0.382%Above	39
9	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$1,181Fees	0.090%Above	27
10	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,149Fees	0.262%Above	130
11	FIDELITY BANKBank	Strong	Acceptable	Strong	Strong	Strong	$2,741Fees	0.339%Above	172
12	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,718Fees	0.368%Above	46
13	Merchants & Marine BankBank	Strong	Sound	Sound	Strong	Sound	$1,674Fees	0.272%Above	22
14	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,637Fees	0.182%Below	21

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.