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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Lafayette
Updated February 5, 2026
Market Overview
51
Total Lenders
3,398
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | $74 | -0.240% | 413 | |
2 | Red River Bank | Exceptional | Exceptional | Strong | Sound | $581 | -0.119% | 20 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,787 | +0.336% | 503 | |
4 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | $1,727 | +0.343% | 190 | |
5 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | $1,286 | +0.188% | 47 | |
6 | MERITUS Federal Credit Union | Strong | Exceptional | Acceptable | Strong | $1,267 | -0.303% | 26 | |
7 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $406 | -0.429% | 24 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,021 | +0.278% | 69 | |
9 | STANDARD MORTGAGE CORPORATION | Strong | Strong | Sound | Strong | $1,769 | -0.111% | 67 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,905 | +0.478% | 218 | |
11 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $2,027 | +0.585% | 134 | |
12 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,559 | +0.125% | 104 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,005 | +0.066% | 100 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,015 | +0.305% | 70 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,415 | +0.395% | 140 | |
16 | Home Bank, National Association | Strong | Sound | Sound | Strong | $1,024 | +0.192% | 66 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,374 | +0.061% | 38 | |
18 | Cadence Bank | Strong | Sound | Strong | Sound | $2,188 | +0.213% | 23 | |
19 | Regions Bank | Strong | Sound | Strong | Sound | $1,913 | +0.259% | 22 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,206 | +0.472% | 123 | |
21 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | $2,333 | +0.347% | 65 | |
22 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,891 | +0.522% | 47 | |
23 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,807 | +0.797% | 42 | |
24 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,610 | +0.491% | 74 | |
25 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,092 | +0.371% | 38 | |
26 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,698 | +0.425% | 23 | |
27 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,222 | +0.419% | 22 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,458 | +0.229% | 20 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,300 | +0.744% | 33 | |
30 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $2,453 | +0.741% | 25 | |
31 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Sound | Sound | $1,790 | +0.727% | 21 | |
32 | Click n' Close, Inc. | Sound | Mediocre | Sound | Sound | $6,697 | +1.990% | 40 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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