Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders27

Total Loans3,398

Median Rate Spread0.36%

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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	$74Fees	0.240%Below	413
2	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,727Fees	0.343%Above	190
3	STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,769Fees	0.111%Below	67
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,787Fees	0.336%Above	503
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,905Fees	0.478%Above	218
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,021Fees	0.278%Above	69
7	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,222Fees	0.419%Above	22
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$993Fees	0.465%Above	16
9	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,415Fees	0.395%Above	140
10	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,027Fees	0.585%Above	134
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,206Fees	0.472%Above	123
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,005Fees	0.066%Above	100
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,374Fees	0.061%Above	38
14	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,610Fees	0.491%Above	74
15	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,092Fees	0.371%Above	38
16	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,458Fees	0.229%Above	20
17	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,635Fees	0.279%Above	19
18	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,454Fees	0.169%Above	17
19	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,246Fees	0.241%Above	16
20	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,798Fees	0.228%Above	15
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,208Fees	0.480%Above	13
22	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,517Fees	0.956%Above	11
23	Summit Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,576Fees	0.341%Above	10
24	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,300Fees	0.744%Above	33
25	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,790Fees	0.727%Above	21
26	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,453Fees	0.741%Above	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)

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.