Safe Rate Rankings

Best Conventional 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$111Fees	0.874%Below	98
2	Red River BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,148Fees	0.059%Above	44
3	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,776Fees	0.363%Above	108
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,371Fees	0.366%Above	134
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,788Fees	0.486%Above	105
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,137Fees	0.400%Above	51
7	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,476Fees	0.215%Above	48
8	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	Sound	$1,275Fees	0.368%Above	11
9	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,812Fees	0.614%Above	142
10	FIDELITY BANKBank	Strong	Acceptable	Strong	Strong	Exceptional	$2,368Fees	0.599%Above	162
11	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,613Fees	0.232%Above	50
12	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,743Fees	0.701%Above	25
13	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,750Fees	0.513%Above	69
14	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,457Fees	0.624%Above	41
15	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,635Fees	0.711%Above	28
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,265Fees	0.604%Above	17
17	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,413Fees	0.522%Above	19
18	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,673Fees	0.148%Below	11
19	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,298Fees	1.075%Above	21
20	JD BANCSHARES, INC.Bank	Sound	Mediocre	Acceptable	Sound	Sound	$415Fees	0.320%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.