# Best Mortgage Lenders in Montgomery, AL

**As of:** 2026-05-20

Compare the top mortgage lenders in Montgomery, AL. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/montgomery-al/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 53
- **Total Loans:** 3,994
- **Median Rate Spread:** 0.3289803921568627%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Trustmark National Bank | 84 | 50 | 85 | 359 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 205 | Independent Mortgage Company |
| 3 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 78 | Credit Union |
| 4 | GMFS LLC | 78 | 53 | 85 | 63 | Independent Mortgage Company |
| 5 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 493 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 273 | Independent Mortgage Company |
| 7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 261 | Independent Mortgage Company |
| 8 | Renasant Bank | 74 | 38 | 81 | 205 | Bank |
| 9 | Regions Bank | 73 | 41 | 64 | 121 | Bank |
| 10 | Synovus Bank | 73 | 56 | 65 | 58 | Bank |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 52 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 47 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 47 | Independent Mortgage Company |
| 14 | ServisFirst Bank | 71 | 54 | 82 | 22 | Bank |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 289 | Independent Mortgage Company |
| 16 | Mortgage Research Center, LLC | 68 | 34 | 70 | 169 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 125 | Independent Mortgage Company |
| 18 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 95 | Independent Mortgage Company |
| 19 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 60 | Independent Mortgage Company |
| 20 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 34 | Independent Mortgage Company |
| 21 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 27 | Bank |
| 22 | SouthPoint Bank | 66 | 47 | 68 | 25 | Bank |
| 23 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 23 | Bank |
| 24 | USAA Federal Savings Bank | 66 | 54 | 45 | 44 | Bank |
| 25 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 40 | Independent Mortgage Company |
| 26 | MAX Credit Union | 62 | 34 | 55 | 81 | Credit Union |
| 27 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 28 | Independent Mortgage Company |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 25 | Independent Mortgage Company |
| 29 | NEWREZ LLC | 58 | 35 | 59 | 54 | Independent Mortgage Company |
| 30 | Flagstar Bank, N.A. | 58 | 40 | 76 | 37 | Bank |
| 31 | TOWNE MORTGAGE COMPANY | 58 | 40 | 79 | 36 | Independent Mortgage Company |
| 32 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 27 | Independent Mortgage Company |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 23 | Independent Mortgage Company |
| 34 | Guardian Credit Union | 49 | N/A | 50 | 112 | Credit Union |
| 35 | River Bank & Trust | 46 | 10 | 45 | 25 | Bank |
| 36 | NEW DAY FINANCIAL, LLC | 36 | 5 | 26 | 35 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Montgomery, AL.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.