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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Montgomery

Updated February 5, 2026

Market Overview

Total Lenders

3,994

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$854	-0.355%	78
2	Trustmark National Bank	Strong	Sound	Exceptional	Exceptional	$1,647	+0.206%	359
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,057	+0.136%	205
4	GMFS LLC	Strong	Sound	Exceptional	Strong	$1,041	+0.270%	63
5	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$3,045	+0.418%	493
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,655	+0.507%	273
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$1,838	+0.507%	261
8	Renasant Bank	Strong	Acceptable	Exceptional	Exceptional	$2,457	+0.176%	205
9	Regions Bank	Strong	Sound	Strong	Strong	$1,159	+0.625%	121
10	Synovus Bank	Strong	Sound	Strong	Strong	$2,375	+0.267%	58
11	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,071	-0.017%	52
12	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,643	+0.314%	47
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,521	+0.367%	47
14	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,242	-0.070%	27
15	ServisFirst Bank	Strong	Sound	Exceptional	Sound	$1,587	+0.315%	22
16	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,331	+0.397%	289
17	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$1,993	+0.311%	125
18	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,133	+0.563%	95
19	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$3,067	+0.512%	60
20	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$1,646	-0.195%	44
21	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$3,744	+0.264%	34
22	SouthPoint Bank	Strong	Sound	Strong	Sound	$1,559	+0.035%	25
23	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	$2,134	+0.275%	23
24	MAX Credit Union	Strong	Acceptable	Sound	Exceptional	$2,217	+0.064%	81
25	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$2,976	+0.384%	40
26	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$1,893	+0.504%	28
27	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$2,724	+0.904%	25
28	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,694	+0.401%	54
29	Flagstar Bank, N.A.	Sound	Acceptable	Strong	Sound	$1,832	+0.190%	37
30	TOWNE MORTGAGE COMPANY	Sound	Acceptable	Strong	Sound	$2,301	+0.244%	36
31	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Sound	$2,953	+0.580%	27
32	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$4,787	+0.264%	23
33	River Bank & Trust	Sound	Mediocre	Sound	Strong	$2,140	+0.742%	25
34	NEW DAY FINANCIAL, LLC	Sound	Mediocre	Acceptable	Sound	$3,530	+1.027%	35

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.

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