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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 FHA 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 | Strong | Sound | Strong | $930 | +0.149% | 66 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,935 | +0.504% | 163 | |
3 | First Merchants Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,763 | +0.236% | 124 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $543 | +0.401% | 42 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,229 | +0.332% | 32 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,462 | +0.445% | 26 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,228 | +0.431% | 191 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,068 | +0.567% | 189 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $7,219 | +0.169% | 31 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $5,356 | +0.269% | 20 | |
11 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,871 | +0.443% | 169 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,522 | +0.728% | 19 | |
13 | Regions Bank | Strong | Sound | Exceptional | Sound | Sound | $2,433 | +0.393% | 41 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,033 | +0.428% | 38 | |
15 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Sound | $2,245 | +0.528% | 23 | |
16 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $1,823 | +0.720% | 50 | |
17 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,466 | +0.462% | 37 | |
18 | FAIR WAY LENDING LLC | Strong | Acceptable | Strong | Strong | Strong | $2,725 | +0.905% | 29 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,310 | +0.381% | 29 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,728 | +0.750% | 20 | |
21 | CALCON MUTUAL MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,176 | +0.714% | 49 | |
22 | Flanagan State Bank | Strong | Acceptable | Strong | Strong | Sound | $3,423 | +1.045% | 26 | |
23 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,801 | +0.465% | 16 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,047 | +0.800% | 14 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,870 | +0.304% | 13 | |
26 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Exceptional | Sound | Acceptable | -$861 | +1.215% | 10 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,768 | +0.354% | 21 | |
28 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Strong | 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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