Home purchase lenders in Montgomery County
2,534 home purchase mortgages were made in Montgomery County, Alabama, in 2025, by 258 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 3,188 decisions, 530 were denials — 16.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 364 | 6.625% | $185,000 | 2.7% |
| Renasant Bank | 167 | 6.000% | $225,000 | 1.2% |
| Trustmark National Bank | 150 | 6.063% | $205,000 | 24.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 133 | 6.575% | $255,000 | 2.2% |
| Fairway Independent Mortgage Corporation | 119 | 6.625% | $235,000 | 4.7% |
| DHI MORTGAGE COMPANY, LTD. | 99 | 4.990% | $305,000 | 34.4% |
| Mortgage Research Center, LLC | 93 | 6.250% | $265,000 | 11.3% |
| MOVEMENT MORTGAGE, LLC | 87 | 6.625% | $245,000 | 4.7% |
| Rocket Mortgage, LLC | 83 | 6.625% | $205,000 | 20.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 79 | 6.875% | $145,000 | 14.1% |
| CMG MORTGAGE, INC. | 70 | 6.625% | $180,000 | 8.9% |
| Navy Federal Credit Union | 50 | 6.125% | $230,000 | 23.1% |
| Synovus Bank | 49 | 6.375% | $185,000 | 14.0% |
| Assurance Financial Group, L.L.C. | 42 | 6.490% | $205,000 | 4.6% |
| Kiavi Funding, Inc. | 41 | 10.490% | $125,000 | 2.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 34 | 6.433% | $160,000 | 7.7% |
| BPL MORTGAGE TRUST, LLC | 34 | 7.688% | $75,000 | 2.8% |
| Regions Bank | 30 | 6.563% | $225,000 | 25.0% |
| MAX Credit Union | 30 | 6.500% | $200,000 | 3.2% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.625% | $325,000 | 15.2% |
| River Bank & Trust | 21 | 7.500% | $215,000 | 0.0% |
| AmeriFirst Bank | 21 | Not published | $145,000 | 0.0% |
| SouthPoint Bank | 19 | 6.000% | $195,000 | 4.6% |
| Loandepot.Com, LLC | 17 | 6.750% | $195,000 | 15.0% |
| Guardian Credit Union | 16 | 7.375% | $180,000 | 61.4% |
| USAA Federal Savings Bank | 16 | 6.375% | $300,000 | 33.3% |
| 21st Mortgage Corporation | 15 | 11.230% | $75,000 | 85.1% |
| HOPE FEDERAL CREDIT UNION | 14 | 7.063% | $150,000 | 33.3% |
| JPMorgan Chase Bank, National Association | 13 | 6.500% | $185,000 | 6.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 13 | 7.750% | $175,000 | 6.3% |
| PNC Bank, National Association | 12 | 6.563% | $175,000 | 29.4% |
| NEWREZ LLC | 12 | 6.375% | $150,000 | 14.3% |
| THE LOAN STORE, INC. | 12 | 6.490% | $265,000 | 7.7% |
| TOWNE MORTGAGE COMPANY | 12 | 6.500% | $170,000 | 7.7% |
| Bank of America, National Association | 12 | 5.688% | $190,000 | 7.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.375% | $320,000 | 0.0% |
| Broker Solutions, Inc. | 11 | 6.750% | $165,000 | 15.4% |
| ServisFirst Bank | 11 | 6.875% | $215,000 | 0.0% |
| Marion Bank & Trust Company | 11 | Not published | $95,000 | 0.0% |
| Loan Funder LLC | 10 | 10.990% | $70,000 | 16.7% |
| CANOPY MORTGAGE, LLC | 10 | 6.990% | $225,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 7.813% | $195,000 | 0.0% |
| LENDINGONE, LLC | 9 | Under 10 loans | Under 10 loans | 59.1% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 73.3% |
| GMFS LLC | 8 | Under 10 loans | Under 10 loans | 8.3% |
| FirstBank | 8 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ALL IN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 58.3% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MICHIGAN MUTUAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Consumer First Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hamilton Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 37.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank of Central Alabama | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bryant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Mississippi | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA STATE EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Traditions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Oaks Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CAHAWBA BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Onward Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINETIC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGATOR CU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emblem Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AVADIAN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLACK HILLS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300Y3R0S9WULTX168 | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 58 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.