# Best FHA Mortgage Lenders in Lafayette

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

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

> **Canonical URL:** https://saferate.com/lafayette/best-mortgage-lenders/fha-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 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 163 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 191 | Independent Mortgage Company |
| 3 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 189 | Independent Mortgage Company |
| 4 | First Merchants Bank | 79 | 63 | 55 | 124 | Bank |
| 5 | Old National Bank | 79 | 91 | 60 | 66 | Bank |
| 6 | The Huntington National Bank | 79 | 75 | 65 | 42 | Bank |
| 7 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 32 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 26 | Independent Mortgage Company |
| 9 | VANDERBILT MORTGAGE AND FINANCE, INC. | 77 | 59 | 83 | 31 | Independent Mortgage Company |
| 10 | RUOFF MORTGAGE COMPANY, INC. | 75 | 36 | 66 | 169 | Independent Mortgage Company |
| 11 | GoodLeap, LLC | 73 | 62 | 58 | 20 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 19 | Independent Mortgage Company |
| 13 | MJW FINANCIAL LLC | 69 | 54 | 71 | 23 | Independent Mortgage Company |
| 14 | Regions Bank | 68 | 60 | 59 | 41 | Bank |
| 15 | NEWREZ LLC | 68 | 52 | 56 | 38 | Independent Mortgage Company |
| 16 | FAIR WAY LENDING LLC | 67 | 28 | 71 | 29 | Independent Mortgage Company |
| 17 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 37 | Independent Mortgage Company |
| 18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 66 | 28 | 66 | 29 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 20 | Independent Mortgage Company |
| 20 | HALLMARK HOME MORTGAGE, LLC | 63 | 19 | 85 | 50 | Independent Mortgage Company |
| 21 | Flanagan State Bank | 63 | 25 | 71 | 26 | Bank |
| 22 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 16 | Independent Mortgage Company |
| 23 | CALCON MUTUAL MORTGAGE LLC | 60 | 17 | 62 | 49 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 14 | Independent Mortgage Company |
| 25 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 13 | Independent Mortgage Company |
| 26 | AMERISAVE MORTGAGE CORPORATION | 56 | 23 | 45 | 10 | Independent Mortgage Company |
| 27 | Wolfe Financial, Inc | 53 | 13 | 68 | 11 | Independent Mortgage Company |
| 28 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 21 | 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.