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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 USDA Mortgage Lenders in Louisiana
Updated February 6, 2026
Market Overview
190
Total Lenders
34,130
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GMFS LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,759 | +0.282% | 3,086 | |
2 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $100 | -0.234% | 1,884 | |
3 | Red River Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,037 | -0.088% | 583 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,776 | +0.322% | 2,971 | |
5 | HANCOCK WHITNEY BANK | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,895 | +0.132% | 799 | |
6 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,784 | +0.442% | 561 | |
7 | Origin Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,166 | +0.217% | 387 | |
8 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,839 | +0.606% | 302 | |
9 | Eagle Bank and Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,873 | +0.435% | 278 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,407 | +0.374% | 234 | |
11 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,700 | +0.487% | 321 | |
12 | Gulf Coast Bank and Trust Company | Strong | Sound | Strong | Strong | Exceptional | $1,938 | +0.303% | 779 | |
13 | First Horizon Bank | Strong | Sound | Strong | Strong | Exceptional | $1,906 | +0.143% | 622 | |
14 | STANDARD MORTGAGE CORPORATION | Strong | Strong | — | Sound | Exceptional | $1,752 | +0.007% | 361 | |
15 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,111 | +0.521% | 279 | |
16 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Strong | Strong | $2,496 | +0.454% | 172 | |
17 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,041 | +0.625% | 136 | |
18 | FIDELITY BANK | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,098 | +0.399% | 1,167 | |
19 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,593 | +0.510% | 950 | |
20 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $2,275 | +0.451% | 263 | |
21 | RESIDENTIAL ACCEPTANCE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,639 | +0.223% | 141 | |
22 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,520 | +0.340% | 88 | |
23 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,257 | +0.755% | 86 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $2,701 | +0.467% | 81 | |
25 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,395 | +0.818% | 377 | |
26 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.570% | 365 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,566 | +0.405% | 155 | |
28 | LOANSTEADY LLC | Strong | Acceptable | Strong | Exceptional | Strong | $2,999 | +0.403% | 144 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,551 | +0.449% | 127 | |
30 | GENEVA FINANCIAL, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,207 | +0.760% | 73 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,451 | +0.415% | 986 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,413 | +0.489% | 787 | |
33 | Sabine State Bank and Trust Company | Strong | Acceptable | Strong | Strong | Strong | $2,324 | +0.573% | 72 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,301 | +0.586% | 499 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,873 | +0.683% | 275 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $2,143 | +0.265% | 266 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,572 | +0.602% | 226 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,150 | +0.712% | 166 | |
39 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,709 | +0.873% | 131 | |
40 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $6,153 | +1.841% | 235 | |
41 | THE MORTGAGE FIRM, INC. | Sound | Acceptable | Sound | Sound | Strong | $2,427 | +0.567% | 165 | |
42 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Sound | Strong | $4,047 | +0.987% | 156 |
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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