Safe Rate Rankings

Best Conventional Mortgage Lenders in New Orleans

Updated February 5, 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 Lenders83

Total Loans6,170

Median Rate Spread0.37%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Strong	$166Fees	0.096%Below	94
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$647Fees	0.227%Below	105
3	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,585Fees	0.297%Above	380
4	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,579Fees	0.141%Above	247
5	Red River BankBank	Exceptional	Exceptional	Strong	Strong	Sound	$1,672Fees	0.009%Below	24
6	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,184Fees	0.202%Above	285
7	First Horizon BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,044Fees	0.123%Above	253
8	CREDIT HUMAN FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$1,466Fees	0.155%Above	87
9	STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,731Fees	0.001%Below	79
10	Jefferson Parish Employees FCUCredit Union	Exceptional	Exceptional	Acceptable	Strong	Strong	$499Fees	0.903%Below	38
11	BankPlusBank	Exceptional	Strong	Strong	Strong	Strong	$975Fees	0.131%Above	37
12	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,869Fees	0.109%Below	23
13	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$110Credit	0.217%Below	14
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,218Fees	0.375%Above	533
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,814Fees	0.424%Above	499
16	Gulf Coast Bank and Trust CompanyBank	Strong	Sound	Strong	Strong	Exceptional	$1,948Fees	0.329%Above	359
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,730Fees	0.555%Above	53
18	JEFFERSON FINANCIAL FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Sound	Strong	$409Fees	0.240%Below	38
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,265Fees	0.106%Below	26
20	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,745Fees	0.457%Above	291
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$798Fees	0.140%Above	65
22	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,721Fees	0.235%Above	29
23	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,343Fees	0.508%Above	18
24	FIDELITY BANKBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,701Fees	0.334%Above	429
25	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,042Fees	0.307%Above	131
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,053Fees	0.598%Above	130
27	America's Mortgage Resource, Inc.Independent Mortgage Company	Strong	Sound	Sound	Sound	Exceptional	$2,045Fees	0.187%Above	117
28	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,729Fees	0.410%Above	107
29	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,177Fees	0.308%Above	54
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,953Fees	0.558%Above	53
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,101Fees	0.494%Above	48
32	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,897Fees	0.335%Above	46
33	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,443Fees	0.635%Above	66
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,265Fees	0.420%Above	63
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,296Fees	0.290%Above	42
36	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,726Fees	0.485%Above	32
37	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,174Fees	0.427%Above	27
38	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,662Fees	0.801%Above	26
39	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,161Fees	0.620%Above	19
40	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,979Fees	0.667%Above	18
41	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,070Fees	0.644%Above	17
42	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,617Fees	0.555%Above	16
43	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,997Fees	0.826%Above	15
44	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,978Fees	0.523%Above	121
45	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,487Fees	0.206%Below	40
46	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,247Fees	0.600%Above	30
47	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,907Fees	0.417%Above	29
48	AML FUNDING LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	Sound	$1,511Fees	0.189%Above	21
49	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,358Fees	0.570%Above	20
50	Home Bank, National AssociationBank	Strong	Sound	Sound	Sound	Sound	$1,316Fees	0.053%Above	20

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.