Safe Rate Rankings

Best Mortgage Lenders in Lafayette

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 Lenders51

Total Loans3,398

Median Rate Spread0.36%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	$74Fees	0.240%Below	413
2	Red River BankBank	Exceptional	Exceptional	Strong	Sound	$581Fees	0.119%Below	20
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,787Fees	0.336%Above	503
4	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,727Fees	0.343%Above	190
5	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	$1,286Fees	0.188%Above	47
6	MERITUS Federal Credit UnionCredit Union	Strong	Exceptional	Acceptable	Strong	$1,267Fees	0.303%Below	26
7	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$406Fees	0.429%Below	24
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,021Fees	0.278%Above	69
9	STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Sound	Strong	$1,769Fees	0.111%Below	67
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,905Fees	0.478%Above	218
11	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,027Fees	0.585%Above	134
12	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,559Fees	0.125%Above	104
13	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,005Fees	0.066%Above	100
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,015Fees	0.305%Above	70
15	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,415Fees	0.395%Above	140
16	Home Bank, National AssociationBank	Strong	Sound	Sound	Strong	$1,024Fees	0.192%Above	66
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,374Fees	0.061%Above	38
18	Cadence BankBank	Strong	Sound	Strong	Sound	$2,188Fees	0.213%Above	23
19	Regions BankBank	Strong	Sound	Strong	Sound	$1,913Fees	0.259%Above	22
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,206Fees	0.472%Above	123
21	FIDELITY BANKBank	Strong	Acceptable	Strong	Strong	$2,333Fees	0.347%Above	65
22	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$1,891Fees	0.522%Above	47
23	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,807Fees	0.797%Above	42
24	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,610Fees	0.491%Above	74
25	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,092Fees	0.371%Above	38
26	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,698Fees	0.425%Above	23
27	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,222Fees	0.419%Above	22
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,458Fees	0.229%Above	20
29	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$3,300Fees	0.744%Above	33
30	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$2,453Fees	0.741%Above	25
31	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,790Fees	0.727%Above	21
32	Click n' Close, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	$6,697Fees	1.990%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.