Safe Rate Rankings

Best All Lender Mortgage Lenders in Monroe

Updated May 22, 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 Lenders23

Total Loans1,155

Median Rate Spread0.43%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$7Credit	0.363%Below	49
2	Origin BankBank	Exceptional	Strong	Strong	Exceptional	$1,239Fees	0.340%Above	105
3	Eagle Bank and Trust CompanyBank	Strong	Sound	Exceptional	Exceptional	$1,782Fees	0.460%Above	248
4	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$984Fees	0.275%Above	78
5	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,838Fees	0.751%Above	130
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,587Fees	0.185%Above	37
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,511Fees	0.122%Above	24
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,183Fees	0.559%Above	106
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,818Fees	0.440%Above	94
10	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$632Fees	0.064%Above	35
11	Cadence BankBank	Strong	Sound	Strong	Sound	$3,212Fees	0.269%Above	21
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,031Fees	0.748%Above	23
13	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$414Credit	0.430%Above	32
14	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,008Fees	0.281%Above	35
15	CENTRICCredit Union	Sound	Acceptable	Acceptable	Strong	$1,536Fees	0.646%Above	33

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.