# Best Conventional Mortgage Lenders in Lafayette

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Lafayette. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lafayette/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 43
- **Total Loans:** 2,241
- **Median Rate Spread:** 0.4973488372093023%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Merchants Bank | 89 | 69 | 70 | 124 | Bank |
| 2 | Old National Bank | 89 | 84 | 69 | 66 | Bank |
| 3 | PURDUE | 85 | 79 | 76 | 314 | Credit Union |
| 4 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 169 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 191 | Independent Mortgage Company |
| 6 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 68 | Bank |
| 7 | The Huntington National Bank | 79 | 63 | 75 | 42 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 18 | Credit Union |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 189 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 163 | Independent Mortgage Company |
| 11 | Centier Bank | 74 | 57 | 72 | 53 | Bank |
| 12 | Security Federal Savings Bank | 73 | 50 | 81 | 76 | Bank |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 73 | 45 | 68 | 31 | Independent Mortgage Company |
| 14 | Fifth Third Bank, National Association | 73 | 61 | 60 | 21 | Bank |
| 15 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 19 | Independent Mortgage Company |
| 16 | First Financial Bank | 73 | 43 | 71 | 18 | Bank |
| 17 | GVC MORTGAGE, INC. | 71 | 21 | 76 | 45 | Independent Mortgage Company |
| 18 | MJW FINANCIAL LLC | 69 | 49 | 66 | 23 | Independent Mortgage Company |
| 19 | Horizon Bank | 69 | 42 | 74 | 22 | Bank |
| 20 | First Farmers Bank & Trust Co. | 69 | 41 | 63 | 17 | Bank |
| 21 | Regions Bank | 66 | 39 | 64 | 41 | Bank |
| 22 | STOCKTON MORTGAGE CORPORATION | 66 | 29 | 65 | 37 | Independent Mortgage Company |
| 23 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 32 | Independent Mortgage Company |
| 24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 66 | 29 | 60 | 29 | Independent Mortgage Company |
| 25 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 20 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 14 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 13 | Independent Mortgage Company |
| 28 | GoodLeap, LLC | 64 | 49 | 51 | 20 | Independent Mortgage Company |
| 29 | FAIR WAY LENDING LLC | 63 | 27 | 80 | 29 | Independent Mortgage Company |
| 30 | NEWREZ LLC | 62 | 31 | 58 | 38 | Independent Mortgage Company |
| 31 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 21 | Independent Mortgage Company |
| 32 | HALLMARK HOME MORTGAGE, LLC | 60 | 20 | 77 | 50 | Independent Mortgage Company |
| 33 | Flanagan State Bank | 58 | 23 | 57 | 26 | Bank |
| 34 | CALCON MUTUAL MORTGAGE LLC | 53 | 15 | 55 | 49 | Independent Mortgage Company |
| 35 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 13 | Independent Mortgage Company |
| 36 | First Option Mortgage, LLC | 49 | 10 | 58 | 19 | Independent Mortgage Company |
| 37 | Wolfe Financial, Inc | 49 | 16 | 45 | 11 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lafayette.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.