Safe Rate Rankings

Best Conventional 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

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.