OP, ** you really need to figure out the financial situation**. What happens all the time here is that kids think they will quality for more need than they actually do. So they apply to generous need based LACs, and their state school as the safety. After they are accepted and the FA comes in, they are shocked at how unfair and cheap the school is being because the FAFSFA says they EFC is 30K and the school costs 60K - and they really could only afford 15K. Guess what, most of these kids end up at their state college.
Also, the admit rates for LACs are deceptive. LACs are small, so they have small numbers of seats, yet the number of athletes and musicians etc… they bring is not substantially smaller than universities that have 25,000 students. Remember, a D1 Lacrosse team has X number of players, regardless of the fact that that D1 team is at Holy Cross (3K undergrads) or Boston University (19K undergrads). Even D3 schools have this issue - although they don’t officially give athletic scholarships, If they need to beef up their lacrosse team, they are going to admit a star Lacrosse student with FA that has mediocre grades before admitting a non-athlete with FA with great grades (all this in the name of ‘holistic admissions’.
All this to say if you are an ‘average excellent’ white female without an athletic or other EC hook, your chances at a LAC are going to be lower than your chances at a big university with the same or similar admit rate. Example, Holy Cross and BU have similar admit rates (HC generally has a higher admit rate the BU), however, I bet a 33 ACT 3.75 GPA female has a better chance of being admitted to BU than HC because HC is trying to jack up their diversity numbers and recruit a lot of athletes - even though the HC admit rate (43%) says otherwise.
OP, have you considered Mount Holyoke?