Safe Rate Rankings

Best All Lender Mortgage Lenders in Lake Charles

Updated May 22, 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 Lenders29

Total Loans1,485

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	$111Fees	0.874%Below	98
2	Red River BankBank	Exceptional	Exceptional	Strong	Strong	$1,148Fees	0.059%Above	44
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,371Fees	0.366%Above	134
4	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,776Fees	0.363%Above	108
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,788Fees	0.486%Above	105
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,137Fees	0.400%Above	51
7	First Horizon BankBank	Strong	Sound	Strong	Strong	$2,476Fees	0.215%Above	48
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,074Fees	0.269%Above	44
9	FIDELITY BANKBank	Strong	Acceptable	Strong	Exceptional	$2,368Fees	0.599%Above	162
10	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,812Fees	0.614%Above	142
11	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,613Fees	0.232%Above	50
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,578Fees	0.368%Below	55
13	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,457Fees	0.624%Above	41
14	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,635Fees	0.711%Above	28
15	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,743Fees	0.701%Above	25
16	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,750Fees	0.513%Above	69
17	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,298Fees	1.075%Above	21

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.