Mortgage lending in Montgomery, AL
8,570 mortgages were originated in the Montgomery, AL area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,570
- Median rate
- 6.500%
- Median lender fees
- $5,467
- Median loan amount
- $185,000
- Median spread over APOR
- 0.305
- Paid discount points
- 37.6%
- Received lender credits
- 24%
- Purchases / refinances
- 55.8% / 30.8%
- Conventional / FHA / VA
- 62.8% / 17.8% / 18.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Montgomery, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 690 | $6,523 | 6.500% |
| MAX Credit Union | 542 | $4,545 | 4.500% |
| Rocket Mortgage, LLC | 453 | $5,439 | 6.500% |
| Trustmark National Bank | 442 | $5,002 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 434 | $6,437 | 6.250% |
| Regions Bank | 335 | — | 6.125% |
| CROSSCOUNTRY MORTGAGE, INC. | 321 | $7,788 | 6.575% |
| Renasant Bank | 316 | $7,373 | 6.250% |
| Fairway Independent Mortgage Corporation | 261 | $4,586 | 6.625% |
| Mortgage Research Center, LLC | 225 | $3,497 | 6.250% |