Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Strong	$7Credit	0.363%Below	49
2	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$984Fees	0.275%Above	78
3	Eagle Bank and Trust CompanyBank	Strong	Sound	Strong	Strong	Exceptional	$1,782Fees	0.460%Above	248
4	Origin BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,239Fees	0.340%Above	105
5	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,587Fees	0.185%Above	37
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,818Fees	0.440%Above	94
7	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,212Fees	0.269%Above	21
8	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,711Fees	0.282%Above	17
9	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,838Fees	0.751%Above	130
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,183Fees	0.559%Above	106
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,511Fees	0.122%Above	24
12	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$632Fees	0.064%Above	35
13	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$437Fees	0.300%Above	12
14	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$963Fees	0.642%Above	12
15	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,008Fees	0.281%Above	35
16	CENTRICCredit Union	Sound	Acceptable	Sound	Sound	Strong	$1,536Fees	0.646%Above	33
17	Century Next BankBank	Sound	Acceptable	Sound	Strong	Sound	$3,191Fees	0.173%Above	15

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.