# Best Conventional Mortgage Lenders in Montgomery, AL

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

Compare the top Conventional mortgage lenders in Montgomery, AL. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 83 | 48 | 79 | 359 | Bank |
| 2 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 78 | Credit Union |
| 3 | GMFS LLC | 83 | 48 | 82 | 63 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 273 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 205 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 47 | Independent Mortgage Company |
| 7 | Truist Bank | 79 | 71 | 69 | 13 | Bank |
| 8 | PNC Bank, National Association | 79 | 75 | 63 | 11 | Bank |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 493 | Independent Mortgage Company |
| 10 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 289 | Independent Mortgage Company |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 261 | Independent Mortgage Company |
| 12 | Renasant Bank | 75 | 35 | 77 | 205 | Bank |
| 13 | Synovus Bank | 74 | 48 | 62 | 58 | Bank |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 52 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 27 | Bank |
| 16 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 23 | Bank |
| 17 | Cadence Bank | 73 | 48 | 71 | 17 | Bank |
| 18 | SouthState Bank, National Association | 73 | 48 | 72 | 14 | Bank |
| 19 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 125 | Independent Mortgage Company |
| 20 | Regions Bank | 71 | 39 | 64 | 121 | Bank |
| 21 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 95 | Independent Mortgage Company |
| 22 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 60 | Independent Mortgage Company |
| 23 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 40 | Independent Mortgage Company |
| 24 | MAX Credit Union | 70 | 34 | 84 | 81 | Credit Union |
| 25 | ServisFirst Bank | 69 | 57 | 79 | 22 | Bank |
| 26 | Mortgage Research Center, LLC | 66 | 34 | 43 | 169 | Independent Mortgage Company |
| 27 | NEWREZ LLC | 66 | 31 | 58 | 54 | Independent Mortgage Company |
| 28 | Flagstar Bank, N.A. | 66 | 34 | 72 | 37 | Bank |
| 29 | TOWNE MORTGAGE COMPANY | 66 | 39 | 79 | 36 | Independent Mortgage Company |
| 30 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 34 | Independent Mortgage Company |
| 31 | FIRST COMMUNITY MORTGAGE, INC. | 66 | 31 | 79 | 28 | Independent Mortgage Company |
| 32 | THE LOAN STORE, INC. | 66 | 39 | 71 | 12 | Independent Mortgage Company |
| 33 | VANDERBILT MORTGAGE AND FINANCE, INC. | 66 | 45 | 68 | 10 | Independent Mortgage Company |
| 34 | USAA Federal Savings Bank | 63 | 53 | 27 | 44 | Bank |
| 35 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 27 | Independent Mortgage Company |
| 36 | SouthPoint Bank | 58 | 34 | 58 | 25 | Bank |
| 37 | ACOPIA, LLC | 58 | 21 | 52 | 12 | Independent Mortgage Company |
| 38 | CB&S Bank, Inc. | 54 | 29 | 52 | 15 | Bank |
| 39 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 12 | Independent Mortgage Company |
| 40 | ZILLOW HOME LOANS, LLC | 53 | 32 | 50 | 10 | Independent Mortgage Company |
| 41 | Guardian Credit Union | 52 | N/A | 52 | 112 | Credit Union |
| 42 | River Bank & Trust | 49 | 10 | 52 | 25 | Bank |
| 43 | Consumer First Mortgage, Inc. | 37 | 17 | 31 | 14 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.