Safe Rate Rankings

Best All Lender Mortgage Lenders in Montgomery

Updated May 20, 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 Lenders53

Total Loans3,994

Median Rate Spread0.33%

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