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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $74 | -0.240% | 413 | |
2 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,727 | +0.343% | 190 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $406 | -0.429% | 24 | |
4 | Red River Bank | Exceptional | Exceptional | Strong | Strong | Sound | $581 | -0.119% | 20 | |
5 | STANDARD MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Strong | $1,769 | -0.111% | 67 | |
6 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,286 | +0.188% | 47 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,787 | +0.336% | 503 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,905 | +0.478% | 218 | |
9 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,559 | +0.125% | 104 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,015 | +0.305% | 70 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,021 | +0.278% | 69 | |
12 | MERITUS Federal Credit Union | Strong | Exceptional | Acceptable | Sound | Strong | $1,267 | -0.303% | 26 | |
13 | Cadence Bank | Strong | Sound | Exceptional | Strong | Sound | $2,188 | +0.213% | 23 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,222 | +0.419% | 22 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $993 | +0.465% | 16 | |
16 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $2,012 | +0.037% | 16 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,415 | +0.395% | 140 | |
18 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Exceptional | $2,027 | +0.585% | 134 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,206 | +0.472% | 123 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,005 | +0.066% | 100 | |
21 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,891 | +0.522% | 47 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,374 | +0.061% | 38 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,610 | +0.491% | 74 | |
24 | Home Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,024 | +0.192% | 66 | |
25 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Strong | $2,333 | +0.347% | 65 | |
26 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,092 | +0.371% | 38 | |
27 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,698 | +0.425% | 23 | |
28 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,913 | +0.259% | 22 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,458 | +0.229% | 20 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,635 | +0.279% | 19 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $1,454 | +0.169% | 17 | |
32 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,246 | +0.241% | 16 | |
33 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,798 | +0.228% | 15 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,208 | +0.480% | 13 | |
35 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,421 | -0.038% | 15 | |
36 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,517 | +0.956% | 11 | |
37 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $3,576 | +0.341% | 10 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,300 | +0.744% | 33 | |
39 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,790 | +0.727% | 21 | |
40 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $2,453 | +0.741% | 25 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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