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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 Conventional Mortgage Lenders in Lake Charles
Updated February 5, 2026
Market Overview
29
Total Lenders
1,485
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $111 | -0.874% | 98 | |
2 | Red River Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,148 | +0.059% | 44 | |
3 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,776 | +0.363% | 108 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,371 | +0.366% | 134 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,788 | +0.486% | 105 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,137 | +0.400% | 51 | |
7 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $2,476 | +0.215% | 48 | |
8 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | Sound | $1,275 | +0.368% | 11 | |
9 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,812 | +0.614% | 142 | |
10 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Exceptional | $2,368 | +0.599% | 162 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,613 | +0.232% | 50 | |
12 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,743 | +0.701% | 25 | |
13 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,750 | +0.513% | 69 | |
14 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Strong | $2,457 | +0.624% | 41 | |
15 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,635 | +0.711% | 28 | |
16 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,265 | +0.604% | 17 | |
17 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,413 | +0.522% | 19 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,673 | -0.148% | 11 | |
19 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,298 | +1.075% | 21 | |
20 | JD BANCSHARES, INC. | Sound | Mediocre | Acceptable | Sound | Sound | $415 | +0.320% | 15 |
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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