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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
43
Total Lenders
2,241
Total Loans
0.50%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $930 | +0.149% | 66 | |
2 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,763 | +0.236% | 124 | |
3 | PURDUE | Exceptional | Strong | Strong | Strong | Exceptional | $632 | +0.102% | 314 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,169 | -0.549% | 18 | |
5 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,871 | +0.443% | 169 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $543 | +0.401% | 42 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,228 | +0.431% | 191 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,311 | +0.376% | 68 | |
9 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,699 | +0.288% | 21 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,068 | +0.567% | 189 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,935 | +0.504% | 163 | |
12 | Security Federal Savings Bank | Strong | Sound | Sound | Exceptional | Strong | $750 | +0.219% | 76 | |
13 | Centier Bank | Strong | Sound | Strong | Strong | Strong | $1,209 | +0.542% | 53 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $7,219 | +0.169% | 31 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,522 | +0.728% | 19 | |
16 | First Financial Bank | Strong | Sound | Exceptional | Strong | Sound | $944 | +0.860% | 18 | |
17 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,340 | +0.466% | 45 | |
18 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Sound | $2,245 | +0.528% | 23 | |
19 | Horizon Bank | Strong | Sound | Strong | Strong | Sound | $2,461 | +0.490% | 22 | |
20 | First Farmers Bank & Trust Co. | Strong | Sound | Strong | Strong | Sound | $1,334 | +0.542% | 17 | |
21 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,433 | +0.393% | 41 | |
22 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,466 | +0.462% | 37 | |
23 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,229 | +0.332% | 32 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,310 | +0.381% | 29 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,728 | +0.750% | 20 | |
26 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $5,356 | +0.269% | 20 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,047 | +0.800% | 14 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,870 | +0.304% | 13 | |
29 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $1,823 | +0.720% | 50 | |
30 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,033 | +0.428% | 38 | |
31 | FAIR WAY LENDING LLC | Strong | Acceptable | Sound | Strong | Strong | $2,725 | +0.905% | 29 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,768 | +0.354% | 21 | |
33 | Flanagan State Bank | Sound | Acceptable | Strong | Sound | Sound | $3,423 | +1.045% | 26 | |
34 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $3,176 | +0.714% | 49 | |
35 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $3,191 | +1.205% | 13 | |
36 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Sound | Sound | $3,455 | +0.787% | 19 | |
37 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Sound | $1,889 | +1.070% | 11 |
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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