Safe Rate Rankings

Best All Lender Mortgage Lenders in Lafayette

Updated May 21, 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 Lenders43

Total Loans2,241

Median Rate Spread0.50%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Strong	Strong	$930Fees	0.149%Above	66
2	PURDUECredit Union	Exceptional	Strong	Strong	Exceptional	$632Fees	0.102%Above	314
3	First Merchants BankBank	Exceptional	Strong	Strong	Exceptional	$1,763Fees	0.236%Above	124
4	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,871Fees	0.443%Above	169
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,935Fees	0.504%Above	163
6	The Huntington National BankBank	Strong	Strong	Strong	Sound	$543Fees	0.401%Above	42
7	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,699Fees	0.288%Above	21
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,228Fees	0.431%Above	191
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,068Fees	0.567%Above	189
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,311Fees	0.376%Above	68
11	Centier BankBank	Strong	Sound	Strong	Strong	$1,209Fees	0.542%Above	53
12	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$7,219Fees	0.169%Above	31
13	Security Federal Savings BankBank	Strong	Sound	Sound	Strong	$750Fees	0.219%Above	76
14	Regions BankBank	Strong	Sound	Strong	Sound	$2,433Fees	0.393%Above	41
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,462Fees	0.445%Above	26
16	MJW FINANCIAL LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,245Fees	0.528%Above	23
17	Horizon BankBank	Strong	Sound	Strong	Sound	$2,461Fees	0.490%Above	22
18	FAIR WAY LENDING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,725Fees	0.905%Above	29
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,728Fees	0.750%Above	20
20	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$5,356Fees	0.269%Above	20
21	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$1,823Fees	0.720%Above	50
22	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,340Fees	0.466%Above	45
23	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,466Fees	0.462%Above	37
24	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,574Fees	0.803%Above	36
25	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,229Fees	0.332%Above	32
26	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,310Fees	0.381%Above	29
27	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,033Fees	0.428%Above	38
28	Flanagan State BankBank	Sound	Acceptable	Sound	Sound	$3,423Fees	1.045%Above	26
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,768Fees	0.354%Above	21
30	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$3,176Fees	0.714%Above	49

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.