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Mortgage Lenders and Brokers in Montgomery, Alabama

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Montgomery, Alabama mortgage lenders include Renasant BankRenasant Bank8 Commerce St, Montgomery, AL 36104A+5.0 ★Texas Ratio: 4.72%, Trustmark BankTrustmark Bank4290 Carmichael Rd, Montgomery, AL 36106A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank2800 Lower Wetumpka Rd, Montgomery, AL 36110A+5.0 ★Texas Ratio: 4.37%, Max Credit UnionMax Credit Union401 Monroe St, Montgomery, AL 36104A+5.0 ★Texas Ratio: 2.18%, AmeriFirst BankAmeriFirst Bank8165 Vaughn Rd, Montgomery, AL 36116A+5.0 ★Texas Ratio: 5.61%, Alabama State Employees CUAlabama State Employees CU1000 Interstate Park Dr, Montgomery, AL 36109A+5.0 ★Texas Ratio: 1.25%, Guardian Credit UnionGuardian Credit Union700 Hyundai Blvd, Montgomery, AL 36105 9622A+5.0 ★Texas Ratio: 5.47%, Wells Fargo Bank NAWells Fargo Bank NA7690 Vaughn Rd, Montgomery, AL 36116A+5.0 ★Texas Ratio: 5.36%, Servisfirst BankServisfirst Bank1 Commerce St, Montgomery, AL 36104A5.0 ★Texas Ratio: 8.75%, and PNC Bank N.A.PNC Bank N.A.2811 Eastern Blvd, Montgomery, AL 36116A+5.0 ★Texas Ratio: 4.24%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Montgomery, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Montgomery are listed first, then lenders elsewhere in Alabama, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Montgomery, Alabama

Market share is the lender's share of all home loans closed in Montgomery, Alabama. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Renasant Bank 2 offices in Montgomery 8 Commerce St, Montgomery, AL 36104 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, VA, HELOC	135 +5 HELOCs	5.2%	98.5%	$202,185	View
Trustmark Bank 3 offices in Montgomery 4290 Carmichael Rd, Montgomery, AL 36106 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, HELOC	130 +25 HELOCs	5%	69%	$199,000	View
Regions Bank 11 offices in Montgomery 2800 Lower Wetumpka Rd, Montgomery, AL 36110 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	85 +75 HELOCs	3.3%	45.1%	$119,705	View
Max Credit Union 401 Monroe St, Montgomery, AL 36104 A+5.0 ★Texas Ratio: 2.18%	Conventional, HELOC	30 +166 HELOCs	1.2%	83.3%	$161,666	View
AmeriFirst Bank 8165 Vaughn Rd, Montgomery, AL 36116 A+5.0 ★Texas Ratio: 5.61%	Conventional, Jumbo	29	1.1%	100%	$198,103	View
Alabama State Employees CU 1000 Interstate Park Dr, Montgomery, AL 36109 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	19 +3 HELOCs	0.7%	100%	$76,578	View
Guardian Credit Union 700 Hyundai Blvd, Montgomery, AL 36105 9622 A+5.0 ★Texas Ratio: 5.47%	Conventional, HELOC	18 +22 HELOCs	0.7%	21.7%	$116,111	View
Wells Fargo Bank NA 4 offices in Montgomery 7690 Vaughn Rd, Montgomery, AL 36116 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	11	0.4%	52.4%	$178,636	View
Servisfirst Bank 2 offices in Montgomery 1 Commerce St, Montgomery, AL 36104 A5.0 ★Texas Ratio: 8.75%	Conventional, FHA, VA, HELOC	10 +7 HELOCs	0.4%	100%	$251,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 5 offices in Montgomery 2811 Eastern Blvd, Montgomery, AL 36116 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	9 +29 HELOCs	0.3%	56.2%	$173,888	View
Truist Bank ★ 1 stars, 1 review 5 offices in Montgomery 445 Dexter Ave, Montgomery, AL 36104 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	6 +9 HELOCs	0.2%	100%	$231,666	View
Smartbank 1 office in Montgomery 201 Monroe St Ste 1650, Montgomery, AL 36104 A+5.0 ★Texas Ratio: 1.74%	Conventional, HELOC	4 +2 HELOCs	0.2%	80%	$350,000	View
Valley National Bank 4 offices in Montgomery 500 Bibb St, Montgomery, AL 36104 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	3 +3 HELOCs	0.1%	100%	$148,333	View
Metro City Bank 1 office in Montgomery 2779 Bell Rd, Montgomery, AL 36117 A+5.0 ★Texas Ratio: 3.17%	Conventional	3	0.1%	100%	$265,000	View
Southpoint Bank 1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33%	Conventional, FHA, VA	19	0.7%	95%	$154,473	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	16 +1 HELOCs	0.6%	94.1%	$171,250	View
Marion Community Bank 7480 Halcyon Pointe Dr, Montgomery, AL 36117 C3.8 ★Texas Ratio: 23.16%	Conventional	12	0.5%	100%	$101,666	View
First Community Bank of Central Alabama 1875 Kowaliga Rd, Eclectic, AL 36024 A4.6 ★Texas Ratio: 2.08%	Conventional	9	0.3%	100%	$147,222	View
River Bank & Trust 309 Maxwell Blvd, Montgomery, AL 36104 A+5.0 ★Texas Ratio: 4.39%	Conventional, HELOC	8 +23 HELOCs	0.3%	88.9%	$298,750	View
Firstbank 615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA	6	0.2%	58.3%	$136,666	View
First Citizens Bank 115 Old Fort Rd W, Fort Deposit, AL 36032 A5.0 ★Texas Ratio: 9.58%	Conventional	4	0.2%	100%	$215,000	View
First Horizon Bank ★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA	3	0.1%	100%	$148,333	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional, FHA	3	0.1%	100%	$145,000	View
Redstone Federal Credit Union 1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$180,000	View
All In Credit Union 609 Ozark Rd, Abbeville, AL 36310	Conventional, HELOC	2 +2 HELOCs	0.1%	75%	$290,000
Community Bank of Mississippi 813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09%	Conventional, VA	2	0.1%	100%	$200,000	View
AlaTrust Credit Union 1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56%	Conventional	2	0.1%	100%	$60,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27%	FHA, VA	2	0.1%	40%	$180,000	View
United Community Bank 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	Conventional, FHA	2	0.1%	100%	$195,000	View
CB&S Bank 1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$145,000	View
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$75,000	View
Alabama ONE Credit Union 340 Technacenter Dr, Montgomery, AL 36117 6031 A5.0 ★Texas Ratio: 6.53%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$305,000	View
Bryant Bank 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	Conventional	1	0%	100%	$495,000	View
Mutual Savings Credit Union 1030 Lee St, Alexander City, AL 35010 2655 A+5.0 ★Texas Ratio: 1.18%	Conventional	1	0%	100%	$175,000	View
Emblem Credit Union 1008 Portwood Dr, Albertville, AL 35951 7316 A+5.0 ★Texas Ratio: 4.02%	Conventional	1	0%	100%	$165,000	View
First Cahawba Bank 144 Cove Ave, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 0.96%	Conventional	1	0%	100%	$305,000	View
Brantley Bank and Trust Company 9402 N Main St, Brantley, AL 36009 B4.5 ★Texas Ratio: 20.57%	Conventional	1	0%	100%	$95,000	View
Auburn University Credit Union 9120 Eastchase Pkwy, Montgomery, AL 36117 A+5.0 ★Texas Ratio: 3.49%	Conventional	1	0%	66.7%	$185,000	View
The Citizens Bank 301 S Edwards St, Enterprise, AL 36330 A+5.0 ★Texas Ratio: 2.99%	Conventional	1	0%	100%	$55,000	View
First National Bank of Pulaski 321 S Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0%	100%	$185,000	View
Traditions Bank 19 Helicon Rd, Arley, AL 35541 A5.0 ★Texas Ratio: 10.74%	Conventional	1	0%	100%	$545,000	View
Troy Bank and Trust 6 Atlantic St, Ariton, AL 36311 A5.0 ★Texas Ratio: 7.44%	Conventional	1	0%	100%	$215,000	View
AuburnBank 819 E Glenn Ave Ste 110, Auburn, AL 36830 A+5.0 ★Texas Ratio: 0.07%	Conventional	1	0%	100%	$25,000	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	VA	1	0%	100%	$215,000	View
Southern Energy Credit Union 244 Dexter Ave, Montgomery, AL 36104 3739 A+5.0 ★Texas Ratio: 0.41%	HELOC	0 +2 HELOCs	0%	n/a		View
Hamilton Mortgage Corporation	Conventional, FHA	4	0.2%	100%	$102,500
Consumer First Mortgage, Inc.	Conventional, FHA	4	0.2%	100%	$167,500
Guild Mortgage Company	Conventional, FHA, VA	311	12%	96.9%	$168,344
Rocket Mortgage	Conventional, FHA, VA	185	7.1%	72.2%	$170,621
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	119 +5 HELOCs	4.6%	84.7%	$246,008
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	90 +6 HELOCs	3.5%	97.9%	$245,000
Mortgage Research Center	Conventional, FHA, VA	88	3.4%	69.5%	$264,204
DHI Mortgage Company, LTD.	Conventional, FHA, VA	88	3.4%	65.7%	$291,931
Fairway Independent Mort Corp	Conventional, FHA, VA	87	3.4%	93.7%	$235,000
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	76 +4 HELOCs	2.9%	94.8%	$258,026
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	59 +14 HELOCs	2.3%	69.8%	$194,830
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	57 +1 HELOCs	2.2%	86.6%	$156,228
Synovus Bank	Conventional, FHA, VA, HELOC	46 +13 HELOCs	1.8%	85.2%	$175,869
Freedom Mortgage Corporation	Conventional, FHA, VA	44	1.7%	84.3%	$208,636
Pennymac Loan Services LLC	Conventional, FHA, VA	44	1.7%	82.1%	$207,272
Assurance Financial Group, L.L.C.	Conventional, FHA, VA	39	1.5%	95.1%	$185,512
Nationstar Mortgage	Conventional, FHA, VA	34	1.3%	85.4%	$141,764
loanDepot.com LLC	Conventional, FHA, VA, HELOC	31 +2 HELOCs	1.2%	58.9%	$170,806
Primelending	Conventional, FHA, VA	30	1.2%	91.2%	$173,000
Newrez LLC	Conventional, FHA, VA	24	0.9%	48.1%	$197,916
New Day Financial, LLC.	VA	23	0.9%	59.1%	$228,043
Carrington Mortgage Services LLC	Conventional, FHA, VA	19	0.7%	38.2%	$172,894
Amerisave Mortgage Company	Conventional, FHA, VA	16	0.6%	24.6%	$85,000
Hope Federal Credit Union A+5.0 ★Texas Ratio: 4.07%	Conventional, FHA	16	0.6%	64%	$118,750	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	15	0.6%	71.4%	$247,666	View
Mortgage Solutions of Colorado	FHA, VA	15	0.6%	94.4%	$239,000
New American Funding, LLC.	Conventional, FHA, VA	15	0.6%	60%	$162,333
Equity Prime Mortgage LLC	FHA, VA	13	0.5%	81.2%	$210,384
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	12 +3 HELOCs	0.5%	100%	$240,833	View
Sun West Mortgage Company, Inc	Conventional, FHA, VA	11	0.4%	100%	$170,454
Goodleap, LLC	Conventional, FHA, VA, HELOC	10 +7 HELOCs	0.4%	70.6%	$188,000
Royal United Mortgage LLC	Conventional, FHA, VA	10	0.4%	66.7%	$125,000
PHH Mortgage Corporation	Conventional, FHA	10	0.4%	90.9%	$253,000
21St Mortgage	Conventional	10	0.4%	15.9%	$58,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	9	0.3%	47.1%	$248,333
Canopy Mortgage, LLC	Conventional, FHA, VA	9	0.3%	100%	$216,111
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	9	0.3%	90%	$289,444
Towne Mortgage Company	Conventional, FHA, VA	9	0.3%	90%	$160,555
Leaderone Financial Corp.	Conventional, FHA	9	0.3%	56.2%	$250,555
The Loan Store, Inc	Conventional, FHA, HELOC	8 +2 HELOCs	0.3%	100%	$221,250
Plaza Home Mortgage, Inc	Conventional, FHA, VA	8	0.3%	66.7%	$182,500
Village Capital & Investment	FHA, VA	8	0.3%	54.2%	$223,750
AdvantageFirst Lending Inc	VA	7	0.3%	63.6%	$293,571
American Financial Network, Inc.	Conventional, FHA, VA	7	0.3%	77.8%	$167,857
FirstTrust Home Loans	Conventional	7	0.3%	100%	$63,571
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	7	0.3%	100%	$305,000	View
Gmfs, LLC	Conventional, FHA	7	0.3%	90.9%	$240,714
Cadence Bank	Conventional, FHA	6	0.2%	75%	$223,333
ClearPath Lending	VA	6	0.2%	75%	$218,333
Planet Home Lending, LLC	Conventional, VA	6	0.2%	85.7%	$306,666
Stockton Mortgage Corporation	Conventional, FHA, VA	6	0.2%	75%	$235,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	6	0.2%	50%	$231,666
Paramount Residential Mortgage	Conventional, FHA	6	0.2%	85.7%	$116,666
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	5 +2 HELOCs	0.2%	50%	$161,000	View
Michigan Mutual, Inc	Conventional, FHA, VA	5	0.2%	100%	$173,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	5	0.2%	100%	$181,000	View
Zillow Home Loans, LLC	Conventional, FHA	5	0.2%	83.3%	$169,000
EMM Loans LLC	Conventional, FHA	4	0.2%	100%	$370,000
Click n' Close, Inc.	Conventional, FHA	4	0.2%	80%	$150,000
SIRVA Mortgage, Inc.	Conventional, VA	4	0.2%	100%	$375,000
Cardinal Financial Company, Li	Conventional, FHA, VA	4	0.2%	100%	$152,500
Spring Eq, LLC	Conventional, HELOC	3 +8 HELOCs	0.1%	25%	$48,333
Pentagon Federal Credit Union	Conventional, FHA, HELOC	3 +3 HELOCs	0.1%	30%	$141,666
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	FHA	3	0.1%	71.4%	$148,333	View
American Financial Resources LLC	FHA	3	0.1%	75%	$205,000
Nbkc Bank	FHA, VA	3	0.1%	100%	$311,666
Acrisure Mortgage, LLC	FHA	3	0.1%	100%	$205,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA, VA	3	0.1%	100%	$191,666	View
Discover Bank	Conventional	3	0.1%	16.7%	$101,666
Union Home Mortgage Corp.	Conventional, VA	3	0.1%	100%	$368,333
Geneva Financial LLC	Conventional, VA	3	0.1%	100%	$111,666
Mid-Continent Funding, Inc.	VA	3	0.1%	75%	$321,666
Ameritrust Mortgage Corporation	FHA	3	0.1%	100%	$198,333
Nfm, Inc	Conventional, VA	3	0.1%	100%	$238,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	3	0.1%	75%	$255,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.1%	66.7%	$271,666	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	3	0.1%	75%	$195,000	View
Southwest Funding LP	Conventional, FHA	3	0.1%	100%	$128,333
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	2	0.1%	100%	$305,000	View
Guaranteed Rate, Inc.	Conventional, VA	2	0.1%	50%	$305,000
Kind Lending, LLC	FHA	2	0.1%	100%	$195,000
Allied Mortgage Group, Inc	Conventional	2	0.1%	66.7%	$85,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	2	0.1%	50%	$155,000	View
Guidance Residential, LLC	Conventional	2	0.1%	100%	$170,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	2	0.1%	66.7%	$115,000	View
Loanunited.Com, LLC	FHA, VA	2	0.1%	100%	$330,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA, VA	2	0.1%	50%	$90,000	View
United Trust Bank	VA	2	0.1%	100%	$295,000
Filo Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$300,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, VA	2	0.1%	100%	$300,000	View
Bay-Valley Mortgage Group	Conventional	2	0.1%	100%	$230,000
Nqm Funding, LLC	FHA	2	0.1%	66.7%	$255,000
Oceanside Mortgage Company	FHA	2	0.1%	100%	$285,000
American Financing Corporation	Conventional, FHA	2	0.1%	50%	$125,000
Flat Branch Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$140,000
Southeast Mortgage of Georgia, Inc.	Conventional	2	0.1%	100%	$175,000
Peoples Mortgage Company	Conventional, VA	2	0.1%	100%	$110,000
Prosperity Home Mortgage, LLC	FHA	2	0.1%	66.7%	$275,000
Lower, LLC	Conventional, VA	2	0.1%	100%	$300,000
Angel Oak Mortgage Solutions LLC	Conventional	2	0.1%	100%	$445,000
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	10.5%	$115,000
Loan Simple, Inc.	FHA	2	0.1%	66.7%	$495,000
Ark-La-Tex Financial Services LLC	FHA, VA	2	0.1%	100%	$290,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +4 HELOCs	0%	100%	$125,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	VA, HELOC	1 +1 HELOCs	0%	100%	$265,000	View
Interlinc Mortgage Services, LLC	FHA	1	0%	100%	$185,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	VA	1	0%	100%	$165,000	View
Black Hills Federal Credit Union	FHA	1	0%	100%	$265,000
CIBC Bank USA A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0%	100%	$415,000	View
Premier Mortgage Resources, LLC	FHA	1	0%	100%	$115,000
Guaranteed Rate Affinity, LLC	Conventional	1	0%	100%	$145,000
Zippy Loans, LLC	Conventional	1	0%	14.3%	$25,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0%	100%	$585,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0%	100%	$55,000
Everett Financial, Inc.	VA	1	0%	100%	$115,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0%	100%	$375,000	View
Success Lending, LLC	Conventional	1	0%	100%	$65,000
Go Mortgage, LLC	VA	1	0%	100%	$285,000
Sage Home Loans Corporation	Conventional	1	0%	50%	$135,000
Envoy Mortgage, Ltd	VA	1	0%	100%	$295,000
Advancial Federal Credit Union	Conventional	1	0%	100%	$175,000
Great Oaks Bank A+5.0 ★Texas Ratio: 0.71%	Conventional	1	0%	100%	$95,000	View
Deephaven Mortgage LLC	Conventional	1	0%	100%	$275,000
Southern Bancorp Bank A5.0 ★Texas Ratio: 8.01%	Conventional	1	0%	100%	$285,000	View
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$155,000	View
AmWest Funding Corp	Conventional	1	0%	100%	$245,000
Onward Home Mortgage, LLC	VA	1	0%	100%	$195,000
Obsidian Financial Services	FHA	1	0%	100%	$155,000
Bayshore Mortgage Funding	FHA	1	0%	100%	$145,000
AAFMAA Mortgage Services LLC	VA	1	0%	100%	$455,000
Flexpoint, Inc.	Conventional	1	0%	100%	$245,000
Connexus Credit Union	Conventional	1	0%	100%	$215,000
Securitynational Mortgage Company	VA	1	0%	100%	$135,000
Kinetic Credit Union	Conventional	1	0%	100%	$235,000
Strong Home Mortgage, LLC	FHA	1	0%	100%	$325,000
First Intercontinental Bank	Conventional	1	0%	100%	$195,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0%	100%	$155,000	View
Delta Community Credit Union	Conventional	1	0%	100%	$305,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$315,000
Beeline Loans, Inc.	Conventional	1	0%	50%	$125,000
Churchill Mortgage Corporation	Conventional	1	0%	100%	$105,000
Nations Lending Corporation	VA	1	0%	100%	$265,000
T2 Financial LLC	Conventional	1	0%	100%	$325,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	50%	$275,000	View
Waterstone Mortgage Corporation	FHA	1	0%	100%	$275,000
BoxCar Mortgage, LLC	VA, Jumbo	1	0%	100%	$895,000
Inb, National Association A5.0 ★Texas Ratio: 9.74%	VA	1	0%	100%	$315,000	View
American Pacific Mortgage Corporation	FHA	1	0%	100%	$145,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0%	100%	$135,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	VA	1	0%	100%	$125,000	View
Milend, Inc	Conventional	1	0%	60%	$175,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$355,000	View
Digital Federal Credit Union	Conventional	1	0%	100%	$255,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$155,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$165,000	View
TowneBank	VA	1	0%	100%	$285,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$105,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0%	100%	$225,000	View
Southwest Stage Funding LLC	Conventional	1	0%	100%	$155,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0%	100%	$785,000	View
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	FHA	1	0%	100%	$225,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	VA	1	0%	100%	$355,000	View
Top Flite Financial, Inc.	FHA	1	0%	100%	$145,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$245,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +14 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	0%		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	0%
PenAir Credit Union	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Montgomery Mortgage Rate Trends

Daily average mortgage rates for Alabama compared with the national average, updated every evening.

30-Year Fixed AL Avg

7.159%

▲ 0.056 vs 7 days ago

15-Year Fixed AL Avg

6.723%

▲ 0.014 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Montgomery, Alabama

Looking for mortgage lenders near me or mortgage brokers near me in Montgomery? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Montgomery in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Montgomery, AL

Use these to narrow the list above. Each category shows how many Montgomery, AL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 119 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 73 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 94 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 85 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 31 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Montgomery, AL

Independent mortgage companies closed 66.9 percent of home loans in Montgomery, Alabama in 2025, banks 26.7 percent and credit unions 6.4 percent. Hamilton Mortgage Corporation was the largest mortgage company, Renasant Bank the largest bank and Max Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 85 loans.

66.9%

Mortgage companies

26.7%

Banks

6.4%

Credit unions

30%

FHA loans

21%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Alabama. Deed recordation tax of $0.50 per $500 of value (0.10 percent) plus a mortgage recordation tax of $0.15 per $100 of debt (0.15 percent), Ala. Code 40-22-1 and 40-22-2.

More Alabama Mortgage Lender Pages

All Alabama lenders 790 lenders Huntsville 310 lenders Mobile 230 lenders Hoover 215 lenders Tuscaloosa 212 lenders Birmingham 194 lenders Auburn 201 lenders Athens 171 lenders Dothan 154 lenders Daphne 186 lenders Foley 186 lenders Phenix City 125 lenders Decatur 153 lenders

Frequently Asked Questions About Mortgage Lenders in Montgomery, AL

Who is the largest mortgage lender in Montgomery, AL?

By home loans closed in 2025, Renasant Bank was the largest mortgage lender in Montgomery, Alabama with 135 loans, about 5.2 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 85 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Montgomery, AL have the highest approval rates?

Among lenders with meaningful volume in Montgomery, Alabama, Renasant Bank approved the highest share of completed applications in 2025 at 98.5 percent, against a 73.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Montgomery, AL mortgage lenders offer FHA, VA and USDA loans?

94 lenders closed FHA loans in Montgomery, Alabama in 2025, led by Guild Mortgage Company with 123. 85 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Montgomery, AL lender list?

Yes. 73 banks and 25 credit unions closed home loans in Montgomery, Alabama in 2025, alongside 119 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Montgomery, AL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Montgomery, Alabama during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Montgomery, Alabama for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Montgomery. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.