Safe Rate Rankings

Best FHA 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	GMFS LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,585Fees	0.297%Above	380
3	America's Mortgage Resource, Inc.Independent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Exceptional	$2,045Fees	0.187%Above	117
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,218Fees	0.375%Above	533
5	Gulf Coast Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,948Fees	0.329%Above	359
6	First Horizon BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,044Fees	0.123%Above	253
7	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,579Fees	0.141%Above	247
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,042Fees	0.307%Above	131
9	STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Strong	$1,731Fees	0.001%Below	79
10	FIDELITY BANKBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,701Fees	0.334%Above	429
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$798Fees	0.140%Above	65
12	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,907Fees	0.417%Above	29
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,814Fees	0.424%Above	499
14	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,177Fees	0.308%Above	54
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,730Fees	0.555%Above	53
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,745Fees	0.457%Above	291
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$2,184Fees	0.202%Above	285
18	Regions BankBank	Strong	Sound	Exceptional	Sound	Strong	$1,729Fees	0.410%Above	107
19	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,265Fees	0.420%Above	63
20	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,922Fees	0.554%Above	60
21	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,101Fees	0.494%Above	48
22	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,897Fees	0.335%Above	46
23	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,247Fees	0.600%Above	30
24	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,395Fees	0.922%Above	67
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,953Fees	0.558%Above	53
26	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,358Fees	0.570%Above	20
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,979Fees	0.667%Above	18
28	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,617Fees	0.555%Above	16
29	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,595Fees	0.576%Above	14
30	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,978Fees	0.523%Above	121
31	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,726Fees	0.485%Above	32
32	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,662Fees	0.801%Above	26
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,329Fees	0.551%Above	24
34	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,188Fees	0.604%Above	20
35	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,070Fees	0.644%Above	17
36	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,053Fees	0.598%Above	130
37	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,427Fees	1.032%Above	80
38	Click n' Close, Inc.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$6,561Fees	1.840%Above	48
39	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,721Fees	0.235%Above	29
40	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,447Fees	0.998%Above	27
41	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,820Fees	0.735%Above	18
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$2,443Fees	0.635%Above	66
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,296Fees	0.290%Above	42
44	Goldwater Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	Sound	$3,061Fees	0.359%Above	30
45	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,161Fees	0.620%Above	19

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.