Safe Rate Rankings

Best Conventional Mortgage Lenders in Louisiana

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders190

Total Loans34,130

Median Rate Spread0.40%

Louisiana Market Insights

Dsld Mortgage is Safe Rate's top-ranked Conventional lender in Louisiana, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Louisiana, Dsld Mortgage and Navy Federal Credit Union scores highest on Conventional pricing while Home Federal Bank and Rocket Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Louisiana, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Louisiana: Rocket Mortgage (#6) and Gmfs (#3).

Explore Rankings by Type

Overall Rankings

All lenders in Louisiana

Need rankings for a different loan product?

FHA Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Banks Credit Unions Mortgage Companies

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, LLC Independent Mortgage CompanyDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$100Fees	0.234%Below	1,884
2	Red River Bank BankDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,037Fees	0.088%Below	583
3	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Exceptional	$1,759Fees	0.282%Above	3,086
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,776Fees	0.322%Above	2,971
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$482Fees	0.428%Below	380
6	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,809Fees	0.450%Above	2,161
7	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,031Fees	0.282%Above	897
8	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,451Fees	0.415%Above	986
9	HANCOCK WHITNEY BANK BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,895Fees	0.132%Above	799
10	Home Federal Bank BankDirect	Strong	Strong	Sound	Exceptional	Strong	$1,003Fees	0.183%Above	103
11	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,906Fees	0.143%Above	622
12	Origin Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$1,166Fees	0.217%Above	387
13	Gulf Coast Bank and Trust Company BankDirect	Strong	Sound	Strong	Strong	Exceptional	$1,938Fees	0.303%Above	779
14	STANDARD MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Exceptional	$1,752Fees	0.007%Above	361
15	Cadence Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,830Fees	0.389%Above	235
16	BankPlus BankDirect	Strong	Strong	Strong	Strong	Strong	$1,144Fees	0.114%Above	75
17	Eagle Bank and Trust Company BankDirect	Strong	Sound	Strong	Strong	Strong	$1,873Fees	0.435%Above	278
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,352Fees	0.511%Above	249
19	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,407Fees	0.374%Above	234
20	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,066Fees	0.066%Above	134
21	Assurance Financial Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,593Fees	0.510%Above	950
22	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,700Fees	0.487%Above	321
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,873Fees	0.683%Above	275
24	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,275Fees	0.451%Above	263
25	CREDIT HUMAN FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	Strong	$1,433Fees	0.168%Above	99
26	FIDELITY BANK BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,098Fees	0.399%Above	1,167
27	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,301Fees	0.586%Above	499
28	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,104Fees	0.386%Above	415
29	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,839Fees	0.606%Above	302
30	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,496Fees	0.454%Above	172
31	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,041Fees	0.625%Above	136
32	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,784Fees	0.442%Above	561
33	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,143Fees	0.265%Above	266
34	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,921Fees	0.388%Above	120
35	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,698Fees	0.570%Above	365
36	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,288Fees	0.037%Below	224
37	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,811Fees	0.450%Above	112
38	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$2,461Fees	0.343%Above	104
39	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$2,111Fees	0.521%Above	279
40	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,551Fees	0.449%Above	127
41	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,566Fees	0.405%Above	155
42	First American Bank and Trust BankDirect	Strong	—	Sound	Strong	Strong	$2,138Fees	0.638%Above	150
43	LOANSTEADY LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Strong	$2,999Fees	0.403%Above	144
44	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	Strong	$2,077Fees	0.194%Above	689
45	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,572Fees	0.602%Above	226
46	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,741Fees	0.966%Above	70
47	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,257Fees	0.394%Above	221
48	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,150Fees	0.712%Above	166
49	THE MORTGAGE FIRM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Strong	$2,427Fees	0.567%Above	165
50	Home Bank, National Association BankDirect	Strong	Sound	Sound	Sound	Strong	$1,209Fees	0.195%Above	128

❓ Frequently Asked Questions

How are mortgage lenders ranked in Louisiana?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Louisiana), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Louisiana?+

Based on 2024 HMDA data, 190 lenders originated a combined 34,130 loans in Louisiana. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Louisiana?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Louisiana is 0.40%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Louisiana's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.