🛡️
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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,057 | +0.136% | 205 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $854 | -0.355% | 78 | |
3 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,647 | +0.206% | 359 | |
4 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,457 | +0.176% | 205 | |
5 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,041 | +0.270% | 63 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,071 | -0.017% | 52 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,521 | +0.367% | 47 | |
8 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,124 | +0.472% | 18 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,993 | +0.311% | 125 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,133 | +0.563% | 95 | |
11 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,646 | -0.195% | 44 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $3,744 | +0.264% | 34 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,655 | +0.507% | 273 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,838 | +0.507% | 261 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,694 | +0.401% | 54 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,643 | +0.314% | 47 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,301 | +0.244% | 36 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045 | +0.418% | 493 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,331 | +0.397% | 289 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,067 | +0.512% | 60 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,976 | +0.384% | 40 | |
22 | SouthPoint Bank | Strong | Sound | Strong | Strong | Sound | $1,559 | +0.035% | 25 | |
23 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,903 | +0.602% | 15 | |
24 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,787 | +0.264% | 23 | |
25 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,530 | +1.027% | 35 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,953 | +0.580% | 27 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Montgomery, ALVA
No credit impact
3-minute process
100% free