Safe Rate Rankings

Best Conventional Mortgage 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 Lenders93

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	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$90Fees	0.119%Below	566
2	Red River BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$995Fees	0.122%Below	92
3	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,889Fees	0.250%Above	1,452
4	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,339Fees	0.061%Above	288
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$569Fees	0.671%Below	25
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,256Fees	0.057%Below	18
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,602Fees	0.372%Above	664
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,761Fees	0.180%Above	211
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,025Fees	0.436%Above	116
10	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,679Fees	0.079%Above	64
11	STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Strong	Strong	Sound	$1,443Fees	0.075%Below	32
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,757Fees	0.202%Above	30
13	La Capitol Federal Credit UnionCredit Union	Strong	Exceptional	Acceptable	Sound	Strong	$1,046Fees	0.150%Below	28
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,057Fees	0.407%Above	391
15	Gulf Coast Bank and Trust CompanyBank	Strong	Sound	Strong	Strong	Strong	$1,871Fees	0.281%Above	191
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,944Fees	0.437%Above	50
17	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,364Fees	0.382%Above	39
18	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$1,181Fees	0.090%Above	27
19	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$3,753Fees	0.437%Above	23
20	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,488Fees	0.372%Above	378
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,701Fees	0.320%Above	202
22	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,944Fees	0.259%Above	148
23	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,149Fees	0.262%Above	130
24	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,824Fees	0.531%Above	128
25	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,790Fees	0.449%Above	88
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,325Fees	0.650%Above	84
27	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,380Fees	0.381%Above	77
28	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$320Fees	0.020%Below	33
29	Campus Federal Credit UnionCredit Union	Strong	Strong	Acceptable	Sound	Strong	$1,617Fees	0.599%Below	30
30	FIDELITY BANKBank	Strong	Acceptable	Strong	Strong	Strong	$2,741Fees	0.339%Above	172
31	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,144Fees	0.444%Above	137
32	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,182Fees	0.672%Above	66
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,118Fees	0.724%Above	60
34	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,459Fees	0.772%Above	58
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,005Fees	0.489%Above	53
36	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,718Fees	0.368%Above	46
37	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,390Fees	0.264%Above	40
38	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,970Fees	0.551%Above	25
39	Merchants & Marine BankBank	Strong	Sound	Sound	Strong	Sound	$1,674Fees	0.272%Above	22
40	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,954Fees	0.525%Above	20
41	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,372Fees	0.602%Above	19
42	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,955Credit	0.620%Above	103
43	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,146Fees	0.468%Above	65
44	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,711Fees	0.450%Above	42
45	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,200Fees	0.813%Above	28
46	AML FUNDING LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	Sound	$1,448Fees	0.342%Above	27
47	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,669Fees	0.652%Above	26
48	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,637Fees	0.182%Below	21
49	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,619Fees	0.236%Above	19
50	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,495Fees	0.665%Above	28

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.