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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 VA Mortgage Lenders in Montgomery County
Updated February 5, 2026
Market Overview
183
Total Lenders
19,475
Total Loans
0.18%
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 | $2,077 | +0.068% | 1,068 | |
2 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,076 | +0.016% | 812 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,832 | +0.257% | 738 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,997 | +0.187% | 510 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $592 | -0.519% | 155 | |
6 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $401 | -0.184% | 45 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,035 | +0.248% | 551 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,047 | +0.255% | 513 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,105 | +0.158% | 177 | |
10 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,351 | +0.272% | 288 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620 | +0.238% | 1,398 | |
12 | Mortgage America, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,051 | +0.138% | 400 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,069 | +0.252% | 256 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,270 | +0.330% | 212 | |
15 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Exceptional | $1,762 | +0.185% | 206 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,631 | +0.210% | 81 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
18 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $2,269 | +0.155% | 171 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.335% | 140 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,175 | +0.150% | 97 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,931 | +0.218% | 241 | |
22 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,953 | +0.327% | 183 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,279 | +0.275% | 176 | |
24 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.299% | 141 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,435 | +0.335% | 136 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,696 | +0.249% | 101 | |
27 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,961 | +0.287% | 160 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,267 | +0.417% | 231 | |
29 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,492 | +0.071% | 157 |
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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