# Best Conventional Mortgage Lenders in Lake Charles, LA

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Lake Charles, LA. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lake-charles-la/best-mortgage-lenders/conventional-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:** 29
- **Total Loans:** 1,485
- **Median Rate Spread:** 0.3800357142857143%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | DSLD MORTGAGE, LLC | 95 | 97 | 75 | 98 | Independent Mortgage Company |
| 2 | GMFS LLC | 88 | 48 | 82 | 108 | Independent Mortgage Company |
| 3 | Red River Bank | 85 | 86 | 79 | 44 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 134 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 105 | Independent Mortgage Company |
| 6 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 51 | Bank |
| 7 | First Horizon Bank | 79 | 57 | 65 | 48 | Bank |
| 8 | LOWER, LLC | 75 | 33 | 66 | 142 | Independent Mortgage Company |
| 9 | HANCOCK WHITNEY BANK | 74 | 62 | 61 | 11 | Bank |
| 10 | FIDELITY BANK | 71 | 28 | 67 | 162 | Bank |
| 11 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 50 | Independent Mortgage Company |
| 12 | Nations Lending Corporation | 70 | 33 | 86 | 25 | Independent Mortgage Company |
| 13 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 67 | 30 | 64 | 41 | Independent Mortgage Company |
| 14 | NEWREZ LLC | 66 | 31 | 58 | 69 | Independent Mortgage Company |
| 15 | T2 FINANCIAL LLC | 66 | 26 | 77 | 28 | Independent Mortgage Company |
| 16 | Flagstar Bank, N.A. | 66 | 34 | 72 | 17 | Bank |
| 17 | MORTGAGE FINANCIAL SERVICES, LLC | 63 | 26 | 70 | 19 | Independent Mortgage Company |
| 18 | AMERICAN FINANCIAL RESOURCES, INC. | 58 | 29 | 51 | 21 | Independent Mortgage Company |
| 19 | USAA Federal Savings Bank | 58 | 53 | 27 | 11 | Bank |
| 20 | The Bank | 53 | N/A | 80 | 23 | Bank |
| 21 | JD BANCSHARES, INC. | 41 | 11 | 43 | 15 | Bank |
| 22 | SOUTHWEST LOUISIANA CREDIT UNION | 41 | N/A | 43 | 12 | Credit Union |

## 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 Lake Charles, LA.

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.