Safe Rate Rankings

Best FHA Mortgage Lenders in Montgomery

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders53

Total Loans3,994

Median Rate Spread0.33%

Montgomery Market Insights

Trustmark National Bank is Safe Rate's top-ranked FHA lender in Montgomery, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Montgomery, Pennymac Loan Services and Southpoint Bank scores highest on FHA pricing while Fairway Independent Mortgage and Rocket Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Montgomery, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Montgomery: Rocket Mortgage (#4) and Trustmark National Bank (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Montgomery

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Trustmark National Bank BankDirect	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,647Fees	0.206%Above	359
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Exceptional	$3,057Fees	0.136%Above	205
3	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,045Fees	0.418%Above	493
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,655Fees	0.507%Above	273
5	Renasant Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,457Fees	0.176%Above	205
6	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,041Fees	0.270%Above	63
7	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$2,071Fees	0.017%Below	52
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,838Fees	0.507%Above	261
9	SouthPoint Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$1,559Fees	0.035%Above	25
10	Regions Bank BankDirect	Strong	Sound	Exceptional	Sound	Strong	$1,159Fees	0.625%Above	121
11	Synovus Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$2,375Fees	0.267%Above	58
12	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$3,521Fees	0.367%Above	47
13	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,643Fees	0.314%Above	47
14	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,993Fees	0.311%Above	125
15	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,133Fees	0.563%Above	95
16	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,832Fees	0.190%Above	37
17	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,331Fees	0.397%Above	289
18	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Sound	$2,301Fees	0.244%Above	36
19	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,694Fees	0.401%Above	54
20	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,067Fees	0.512%Above	60
21	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$1,893Fees	0.504%Above	28
22	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	—	—	169
23	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,744Fees	0.264%Above	34
24	First Federal Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$1,124Fees	0.472%Above	18
25	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,724Fees	0.904%Above	25
26	GoodLeap, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Sound	Sound	$2,300Fees	0.246%Above	13
27	Hamilton Mortgage Corporation Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$2,537Fees	0.749%Above	13
28	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,131Fees	0.657%Above	15
29	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$2,953Fees	0.580%Above	27
30	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,787Fees	0.264%Above	23
31	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Acceptable	$2,905Fees	1.048%Above	10
32	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$2,976Fees	0.384%Above	40
33	Consumer First Mortgage, Inc. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	Sound	$3,657Fees	0.517%Above	14

❓ Frequently Asked Questions

How are mortgage lenders ranked in Montgomery, AL?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Montgomery, AL), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Montgomery, AL?+

Based on 2024 HMDA data, 53 lenders originated a combined 3,994 loans in Montgomery, AL. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Montgomery, AL?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Montgomery, AL is 0.33%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Montgomery, AL's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.