Safe Rate Rankings

Best FHA Mortgage Lenders in Hammond

Updated May 22, 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 Lenders24

Total Loans949

Median Rate Spread0.41%

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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	0.176%Below	159
2	GMFS LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,144Fees	0.250%Above	114
3	Gulf Coast Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,547Fees	0.263%Above	76
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,740Fees	0.183%Above	52
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,832Fees	0.180%Above	23
6	STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Sound	$2,600Fees	0.254%Above	12
7	FIDELITY BANKBank	Strong	Sound	Exceptional	Strong	Strong	$3,098Fees	0.535%Above	32
8	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	Sound	$2,162Fees	0.307%Above	20
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,590Fees	0.391%Above	81
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,103Fees	0.652%Above	13
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,380Fees	0.446%Above	72
12	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$108Fees	0.649%Above	25
13	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,596Fees	0.646%Above	17
14	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$4,700Fees	0.685%Above	10
15	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,771Fees	0.766%Above	20
16	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,982Fees	0.362%Above	13
17	Click n' Close, Inc.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,597Fees	1.870%Above	46
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,923Fees	0.828%Above	19

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.