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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 Conventional Mortgage Lenders in Montgomery
Updated February 5, 2026
Market Overview
53
Total Lenders
3,994
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $854 | -0.355% | 78 | |
2 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,647 | +0.206% | 359 | |
3 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,041 | +0.270% | 63 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,109 | +0.536% | 13 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $384 | +0.392% | 11 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,655 | +0.507% | 273 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,057 | +0.136% | 205 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,643 | +0.314% | 47 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,242 | -0.070% | 27 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045 | +0.418% | 493 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,331 | +0.397% | 289 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,838 | +0.507% | 261 | |
13 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,457 | +0.176% | 205 | |
14 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $2,375 | +0.267% | 58 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,071 | -0.017% | 52 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,134 | +0.275% | 23 | |
17 | Cadence Bank | Strong | Sound | Exceptional | Strong | Sound | $2,628 | +0.138% | 17 | |
18 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,253 | +0.333% | 14 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.311% | 125 | |
20 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,159 | +0.625% | 121 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,133 | +0.563% | 95 | |
22 | MAX Credit Union | Strong | Acceptable | Sound | Exceptional | Exceptional | $2,217 | +0.064% | 81 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,067 | +0.512% | 60 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,976 | +0.384% | 40 | |
25 | ServisFirst Bank | Strong | Sound | Strong | Strong | Sound | $1,587 | +0.315% | 22 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Acceptable | $2,167 | -0.940% | 10 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,694 | +0.401% | 54 | |
28 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,646 | -0.195% | 44 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,832 | +0.190% | 37 | |
30 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,301 | +0.244% | 36 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,744 | +0.264% | 34 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,893 | +0.504% | 28 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,592 | +0.043% | 12 | |
34 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,953 | +0.580% | 27 | |
35 | SouthPoint Bank | Sound | Acceptable | Strong | Sound | Sound | $1,559 | +0.035% | 25 | |
36 | ACOPIA, LLC | Sound | Acceptable | Strong | Sound | Sound | $1,535 | +0.501% | 12 | |
37 | CB&S Bank, Inc. | Sound | Acceptable | Sound | Sound | Sound | $972 | +0.068% | 15 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $3,267 | +1.071% | 12 | |
39 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Acceptable | $2,905 | +1.048% | 10 | |
40 | River Bank & Trust | Sound | Mediocre | Sound | Sound | Strong | $2,140 | +0.742% | 25 | |
41 | Consumer First Mortgage, Inc. | Acceptable | Mediocre | Acceptable | Acceptable | Sound | $3,657 | +0.517% | 14 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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