Safe Rate Rankings

Best USDA Mortgage Company 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 Lenders17

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	GMFS LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,889Fees	0.250%Above	1,452
2	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$90Fees	0.119%Below	566
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,602Fees	0.372%Above	664
4	NEWREZ LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,144Fees	0.444%Above	137
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,025Fees	0.436%Above	116
6	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,459Fees	0.772%Above	58
7	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,711Fees	0.450%Above	42
8	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,488Fees	0.372%Above	378
9	RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,910Fees	0.282%Above	110
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,940Fees	0.725%Above	54
11	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,824Fees	0.531%Above	128
12	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,026Fees	0.772%Above	71
13	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,701Fees	0.320%Above	202
14	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	Strong	$1,975Fees	0.524%Above	77
15	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,495Fees	0.665%Above	28
16	Click n' Close, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$7,020Fees	1.600%Above	40
17	First Option Mortgage, LLCIndependent Mortgage Company	Sound	Mediocre	—	Strong	Sound	$2,332Fees	0.501%Above	32

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.