Top Mortgage Lenders in the Montgomery, AL area

Which mortgage lender in the Montgomery, AL area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Montgomery, AL area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Montgomery, AL area is Trustmark National Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.17%. This means that Trustmark National Bank provided a -0.17% lower interest rate for its customers than other lenders in Montgomery, AL for a similar set of borrowers. Trustmark National Bank has a market share of 12.3%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Montgomery, AL area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Montgomery, AL is Max Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Synovus Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Trustmark National Bank. The cheapest VA mortgage provider is Trustmark National Bank. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.17% 12.32%
Max Credit Union 2, -0.16% 3.59%
Truist Bank 3, -0.14% 1.14%
Cadence Bank 4, -0.11% 2.00%
Renasant Bank 5, -0.09% 5.32%
Certainty Home Loans 6, -0.06% 2.46%
Troy Bank and Trust 7, -0.06% 1.05%
Gmfs 8, -0.06% 1.93%
Crescent Mortgage Company 9, -0.04% 1.13%
Triumph Bank 10, -0.02% 0.59%
Pnc Bank 11, -0.02% 1.03%
Regions Bank 12, -0.00% 4.75%
Usaa Federal Savings Bank 13, -0.00% 2.54%
Synovus Mortgage Corp 14, 0.00% 0.84%
LoanDepot 15, 0.00% 1.54%
Pennymac Loan Services 16, 0.01% 0.76%
SouthPoint Bank 17, 0.01% 0.92%
Fairway Independent Mort Corp 18, 0.01% 9.78%
Navy Federal Credit Union 19, 0.02% 2.10%
InterLinc Mortgage Services 20, 0.02% 9.10%
Wells Fargo Bank 21, 0.02% 2.04%
Synovus Bank 22, 0.02% 0.65%
Ditech Financial 23, 0.04% 0.67%
Carrington Mortgage Services 24, 0.04% 0.95%
FirstBank 25, 0.04% 0.82%
Caliber Home Loans Inc 26, 0.06% 1.33%
CMG Mortgage Inc 27, 0.07% 1.74%
Quicken Loans 28, 0.07% 8.81%
American Mortgage Service Company 29, 0.09% 0.65%
Guild Mortgage Company 30, 0.10% 10.74%
Bbva Usa 31, 0.11% 2.23%
Bay Equity 32, 0.12% 2.10%
Nationstar Mortgage 33, 0.13% 0.97%
Guardian Credit Union 34, 0.63% 1.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.18% 13.82%
Cadence Bank 2, -0.11% 2.75%
Renasant Bank 3, -0.11% 4.29%
Truist Bank 4, -0.10% 0.74%
Max Credit Union 5, -0.10% 2.42%
Gmfs 6, -0.08% 1.68%
Certainty Home Loans 7, -0.07% 3.14%
Troy Bank and Trust 8, -0.06% 1.05%
Pennymac Loan Services 9, -0.04% 0.36%
Crescent Mortgage Company 10, -0.04% 1.10%
Regions Bank 11, -0.03% 3.19%
Triumph Bank 12, -0.01% 0.33%
Synovus Mortgage Corp 13, -0.00% 0.94%
Wells Fargo Bank 14, 0.00% 2.09%
Usaa Federal Savings Bank 15, 0.01% 2.97%
SouthPoint Bank 16, 0.01% 1.10%
Fairway Independent Mort Corp 17, 0.01% 12.17%
Navy Federal Credit Union 18, 0.02% 2.67%
InterLinc Mortgage Services 19, 0.02% 12.39%
Synovus Bank 20, 0.02% 0.72%
Pnc Bank 21, 0.02% 0.19%
LoanDepot 22, 0.03% 0.44%
Ditech Financial 23, 0.04% 0.11%
FirstBank 24, 0.04% 0.83%
Caliber Home Loans Inc 25, 0.08% 1.43%
CMG Mortgage Inc 26, 0.08% 2.20%
American Mortgage Service Company 27, 0.09% 0.88%
Quicken Loans 28, 0.11% 3.72%
Guild Mortgage Company 29, 0.12% 13.32%
Bbva Usa 30, 0.13% 2.64%
Bay Equity 31, 0.13% 2.64%
Carrington Mortgage Services 32, 0.15% 0.33%
Nationstar Mortgage 33, 0.17% 0.69%
Guardian Credit Union 34, 0.51% 0.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Max Credit Union 1, -0.22% 6.21%
Truist Bank 2, -0.17% 2.05%
Trustmark National Bank 3, -0.16% 8.94%
Renasant Bank 4, -0.08% 7.64%
Troy Bank and Trust 5, -0.05% 1.06%
Crescent Mortgage Company 6, -0.04% 1.18%
Guild Mortgage Company 7, -0.03% 4.90%
Usaa Federal Savings Bank 8, -0.03% 1.55%
Gmfs 9, -0.03% 2.48%
Triumph Bank 10, -0.02% 1.18%
Pnc Bank 11, -0.02% 2.92%
Fairway Independent Mort Corp 12, -0.01% 4.41%
LoanDepot 13, -0.00% 4.03%
Cadence Bank 14, 0.00% 0.31%
Carrington Mortgage Services 15, 0.01% 2.36%
Bay Equity 16, 0.01% 0.87%
Synovus Mortgage Corp 17, 0.02% 0.62%
Navy Federal Credit Union 18, 0.02% 0.81%
Caliber Home Loans Inc 19, 0.02% 1.12%
Regions Bank 20, 0.02% 8.26%
Bbva Usa 21, 0.02% 1.30%
Synovus Bank 22, 0.02% 0.50%
CMG Mortgage Inc 23, 0.03% 0.68%
American Mortgage Service Company 24, 0.03% 0.12%
InterLinc Mortgage Services 25, 0.03% 1.68%
SouthPoint Bank 26, 0.03% 0.50%
Pennymac Loan Services 27, 0.03% 1.68%
FirstBank 28, 0.04% 0.81%
Ditech Financial 29, 0.04% 1.92%
Certainty Home Loans 30, 0.04% 0.93%
Quicken Loans 31, 0.06% 20.30%
Wells Fargo Bank 32, 0.06% 1.92%
Nationstar Mortgage 33, 0.09% 1.61%
Guardian Credit Union 34, 0.69% 3.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Max Credit Union 1, -0.17% 5.97%
Truist Bank 2, -0.14% 1.87%
Trustmark National Bank 3, -0.12% 11.40%
Cadence Bank 4, -0.11% 3.20%
Renasant Bank 5, -0.06% 6.27%
Troy Bank and Trust 6, -0.06% 1.67%
Crescent Mortgage Company 7, -0.04% 1.47%
Certainty Home Loans 8, -0.04% 1.97%
Gmfs 9, -0.03% 1.60%
Fairway Independent Mort Corp 10, -0.02% 8.50%
Triumph Bank 11, -0.02% 0.77%
LoanDepot 12, -0.02% 1.27%
InterLinc Mortgage Services 13, -0.02% 7.60%
Carrington Mortgage Services 14, -0.01% 0.23%
Pnc Bank 15, -0.01% 1.80%
Usaa Federal Savings Bank 16, -0.01% 1.20%
Pennymac Loan Services 17, 0.00% 0.70%
Regions Bank 18, 0.00% 7.00%
Synovus Mortgage Corp 19, 0.01% 0.83%
Guild Mortgage Company 20, 0.02% 9.40%
Wells Fargo Bank 21, 0.03% 3.17%
Synovus Bank 22, 0.03% 0.77%
American Mortgage Service Company 23, 0.03% 0.20%
FirstBank 24, 0.05% 0.83%
Ditech Financial 25, 0.06% 0.73%
CMG Mortgage Inc 26, 0.07% 0.80%
SouthPoint Bank 27, 0.08% 0.57%
Quicken Loans 28, 0.08% 7.97%
Nationstar Mortgage 29, 0.09% 0.47%
Caliber Home Loans Inc 30, 0.11% 0.97%
Bbva Usa 31, 0.13% 3.17%
Bay Equity 32, 0.13% 1.70%
Navy Federal Credit Union 33, 0.29% 1.47%
Guardian Credit Union 34, 0.64% 2.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.11% 1.22%
Cadence Bank 2, -0.11% 4.84%
Trustmark National Bank 3, -0.11% 13.50%
Max Credit Union 4, -0.10% 4.36%
Troy Bank and Trust 5, -0.06% 1.81%
Certainty Home Loans 6, -0.04% 2.71%
Renasant Bank 7, -0.04% 4.25%
Crescent Mortgage Company 8, -0.04% 1.43%
Pennymac Loan Services 9, -0.03% 0.64%
Gmfs 10, -0.03% 0.90%
Fairway Independent Mort Corp 11, -0.02% 10.79%
Regions Bank 12, -0.02% 4.62%
InterLinc Mortgage Services 13, -0.02% 10.79%
Usaa Federal Savings Bank 14, -0.00% 1.49%
Triumph Bank 15, -0.00% 0.48%
Synovus Mortgage Corp 16, 0.01% 0.90%
Wells Fargo Bank 17, 0.01% 3.51%
LoanDepot 18, 0.03% 0.58%
Guild Mortgage Company 19, 0.03% 12.86%
American Mortgage Service Company 20, 0.03% 0.27%
Pnc Bank 21, 0.04% 0.37%
Synovus Bank 22, 0.04% 1.12%
Ditech Financial 23, 0.05% 0.21%
FirstBank 24, 0.06% 0.74%
Nationstar Mortgage 25, 0.07% 0.16%
CMG Mortgage Inc 26, 0.09% 0.96%
SouthPoint Bank 27, 0.10% 0.74%
Quicken Loans 28, 0.11% 2.82%
Caliber Home Loans Inc 29, 0.13% 1.28%
Bbva Usa 30, 0.15% 4.09%
Bay Equity 31, 0.16% 2.28%
Navy Federal Credit Union 32, 0.33% 2.02%
Guardian Credit Union 33, 0.53% 1.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Max Credit Union 1, -0.23% 8.68%
Truist Bank 2, -0.17% 2.95%
Trustmark National Bank 3, -0.14% 7.87%
Renasant Bank 4, -0.09% 9.66%
Troy Bank and Trust 5, -0.06% 1.43%
Crescent Mortgage Company 6, -0.05% 1.52%
LoanDepot 7, -0.04% 2.42%
Triumph Bank 8, -0.04% 1.25%
Gmfs 9, -0.04% 2.77%
Pnc Bank 10, -0.02% 4.20%
Fairway Independent Mort Corp 11, -0.02% 4.65%
Carrington Mortgage Services 12, -0.02% 0.63%
Usaa Federal Savings Bank 13, -0.01% 0.72%
Bay Equity 14, 0.00% 0.72%
Cadence Bank 15, 0.00% 0.45%
Synovus Bank 16, 0.01% 0.18%
CMG Mortgage Inc 17, 0.01% 0.54%
Synovus Mortgage Corp 18, 0.01% 0.72%
Guild Mortgage Company 19, 0.01% 3.58%
Regions Bank 20, 0.02% 11.00%
Bbva Usa 21, 0.02% 1.61%
SouthPoint Bank 22, 0.02% 0.27%
Caliber Home Loans Inc 23, 0.02% 0.45%
InterLinc Mortgage Services 24, 0.03% 2.24%
American Mortgage Service Company 25, 0.03% 0.09%
FirstBank 26, 0.04% 0.98%
Pennymac Loan Services 27, 0.04% 0.81%
Certainty Home Loans 28, 0.04% 0.72%
Ditech Financial 29, 0.06% 1.61%
Navy Federal Credit Union 30, 0.06% 0.54%
Wells Fargo Bank 31, 0.06% 2.59%
Quicken Loans 32, 0.07% 16.64%
Nationstar Mortgage 33, 0.09% 0.98%
Guardian Credit Union 34, 0.69% 4.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.32% 11.44%
Renasant Bank 2, -0.20% 4.65%
Gmfs 3, -0.16% 2.32%
Certainty Home Loans 4, -0.11% 4.38%
SouthPoint Bank 5, -0.07% 1.97%
Crescent Mortgage Company 6, -0.04% 1.07%
Synovus Mortgage Corp 7, -0.04% 1.07%
Regions Bank 8, -0.03% 1.61%
Ditech Financial 9, -0.02% 0.54%
Triumph Bank 10, -0.01% 0.27%
Fairway Independent Mort Corp 11, -0.00% 13.67%
Navy Federal Credit Union 12, 0.00% 0.18%
Pennymac Loan Services 13, 0.00% 0.36%
Cadence Bank 14, 0.01% 0.45%
FirstBank 15, 0.02% 0.71%
Caliber Home Loans Inc 16, 0.02% 1.52%
Carrington Mortgage Services 17, 0.03% 2.50%
Quicken Loans 18, 0.03% 12.42%
Wells Fargo Bank 19, 0.03% 0.18%
InterLinc Mortgage Services 20, 0.03% 12.15%
Bbva Usa 21, 0.04% 1.34%
LoanDepot 22, 0.05% 1.16%
CMG Mortgage Inc 23, 0.05% 4.74%
American Mortgage Service Company 24, 0.07% 1.52%
Bay Equity 25, 0.11% 2.95%
Nationstar Mortgage 26, 0.15% 1.97%
Guild Mortgage Company 27, 0.29% 12.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.34% 12.50%
Renasant Bank 2, -0.21% 5.13%
Gmfs 3, -0.16% 2.67%
Certainty Home Loans 4, -0.12% 5.02%
SouthPoint Bank 5, -0.08% 2.03%
Regions Bank 6, -0.06% 1.60%
Crescent Mortgage Company 7, -0.05% 1.18%
Synovus Mortgage Corp 8, -0.04% 1.28%
Triumph Bank 9, -0.01% 0.21%
Fairway Independent Mort Corp 10, -0.00% 15.60%
Navy Federal Credit Union 11, 0.00% 0.21%
Cadence Bank 12, 0.01% 0.53%
Pennymac Loan Services 13, 0.01% 0.11%
Caliber Home Loans Inc 14, 0.02% 1.50%
FirstBank 15, 0.02% 0.85%
LoanDepot 16, 0.03% 0.43%
InterLinc Mortgage Services 17, 0.03% 14.53%
Wells Fargo Bank 18, 0.04% 0.11%
Bbva Usa 19, 0.05% 1.39%
CMG Mortgage Inc 20, 0.05% 5.45%
American Mortgage Service Company 21, 0.07% 1.71%
Quicken Loans 22, 0.09% 5.34%
Bay Equity 23, 0.12% 3.21%
Carrington Mortgage Services 24, 0.15% 0.96%
Nationstar Mortgage 25, 0.20% 1.50%
Guild Mortgage Company 26, 0.30% 14.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.09% 6.01%
Carrington Mortgage Services 2, -0.03% 10.38%
Ditech Financial 3, -0.01% 3.28%
Renasant Bank 4, -0.01% 2.19%
Guild Mortgage Company 5, -0.01% 2.19%
Quicken Loans 6, -0.00% 48.63%
Pennymac Loan Services 7, -0.00% 1.64%
Fairway Independent Mort Corp 8, 0.00% 3.83%
Crescent Mortgage Company 9, 0.00% 0.55%
American Mortgage Service Company 10, 0.01% 0.55%
Triumph Bank 11, 0.01% 0.55%
Certainty Home Loans 12, 0.01% 1.09%
CMG Mortgage Inc 13, 0.02% 1.09%
SouthPoint Bank 14, 0.02% 1.64%
Bbva Usa 15, 0.02% 1.09%
Bay Equity 16, 0.02% 1.64%
Wells Fargo Bank 17, 0.02% 0.55%
Caliber Home Loans Inc 18, 0.03% 1.64%
Gmfs 19, 0.04% 0.55%
LoanDepot 20, 0.06% 4.92%
Regions Bank 21, 0.07% 1.64%
Nationstar Mortgage 22, 0.07% 4.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Synovus Bank 1, -0.01% 31.43%
Truist Bank 2, -0.01% 5.71%
Gmfs 3, -0.01% 2.86%
Regions Bank 4, -0.00% 22.86%
Bbva Usa 5, 0.00% 2.86%
Renasant Bank 6, 0.00% 2.86%
Trustmark National Bank 7, 0.01% 14.29%
Guild Mortgage Company 8, 0.01% 2.86%
Quicken Loans 9, 0.02% 5.71%
Fairway Independent Mort Corp 10, 0.02% 8.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Synovus Bank 1, -0.01% 27.78%
Truist Bank 2, -0.01% 11.11%
Guild Mortgage Company 3, 0.00% 5.56%
Trustmark National Bank 4, 0.00% 22.22%
Regions Bank 5, 0.01% 16.67%
Fairway Independent Mort Corp 6, 0.02% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Regions Bank 1, -0.01% 29.41%
Gmfs 2, -0.00% 5.88%
Synovus Bank 3, -0.00% 35.29%
Trustmark National Bank 4, 0.00% 5.88%
Bbva Usa 5, 0.00% 5.88%
Renasant Bank 6, 0.01% 5.88%
Quicken Loans 7, 0.02% 11.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.18% 15.69%
Navy Federal Credit Union 2, -0.17% 5.87%
Renasant Bank 3, -0.08% 3.49%
Certainty Home Loans 4, -0.03% 1.93%
Cadence Bank 5, -0.01% 0.37%
Gmfs 6, -0.01% 2.39%
Regions Bank 7, -0.00% 1.19%
Usaa Federal Savings Bank 8, 0.00% 8.90%
LoanDepot 9, 0.01% 2.75%
Troy Bank and Trust 10, 0.01% 0.46%
Triumph Bank 11, 0.01% 0.46%
Wells Fargo Bank 12, 0.02% 0.92%
Ditech Financial 13, 0.02% 0.64%
Crescent Mortgage Company 14, 0.02% 0.28%
Pennymac Loan Services 15, 0.02% 1.38%
Truist Bank 16, 0.03% 0.18%
Max Credit Union 17, 0.03% 0.83%
Caliber Home Loans Inc 18, 0.03% 2.20%
Bbva Usa 19, 0.04% 0.55%
Synovus Mortgage Corp 20, 0.04% 0.64%
SouthPoint Bank 21, 0.04% 0.83%
FirstBank 22, 0.04% 0.92%
Carrington Mortgage Services 23, 0.06% 1.38%
InterLinc Mortgage Services 24, 0.06% 10.37%
Guild Mortgage Company 25, 0.06% 12.48%
Bay Equity 26, 0.09% 2.39%
CMG Mortgage Inc 27, 0.10% 1.28%
Quicken Loans 28, 0.10% 7.52%
Fairway Independent Mort Corp 29, 0.10% 9.36%
Nationstar Mortgage 30, 0.11% 1.38%
American Mortgage Service Company 31, 0.12% 1.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.20% 7.15%
Trustmark National Bank 2, -0.17% 15.93%
Renasant Bank 3, -0.11% 3.51%
Certainty Home Loans 4, -0.05% 2.01%
Regions Bank 5, -0.02% 1.38%
Gmfs 6, -0.02% 2.38%
Cadence Bank 7, -0.02% 0.50%
Troy Bank and Trust 8, -0.00% 0.50%
Wells Fargo Bank 9, 0.00% 1.13%
Usaa Federal Savings Bank 10, 0.01% 10.04%
Crescent Mortgage Company 11, 0.01% 0.25%
Triumph Bank 12, 0.02% 0.13%
Truist Bank 13, 0.02% 0.25%
Bbva Usa 14, 0.03% 0.75%
Max Credit Union 15, 0.03% 0.75%
SouthPoint Bank 16, 0.04% 0.88%
FirstBank 17, 0.04% 1.00%
Synovus Mortgage Corp 18, 0.04% 0.63%
Caliber Home Loans Inc 19, 0.04% 1.76%
LoanDepot 20, 0.05% 0.13%
InterLinc Mortgage Services 21, 0.05% 13.93%
Carrington Mortgage Services 22, 0.08% 0.38%
Bay Equity 23, 0.10% 2.89%
Guild Mortgage Company 24, 0.10% 12.67%
CMG Mortgage Inc 25, 0.10% 1.38%
Fairway Independent Mort Corp 26, 0.11% 11.29%
American Mortgage Service Company 27, 0.11% 1.38%
Quicken Loans 28, 0.12% 4.02%
Nationstar Mortgage 29, 0.13% 1.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.19% 15.02%
Guild Mortgage Company 2, -0.06% 11.95%
Usaa Federal Savings Bank 3, -0.02% 5.80%
Navy Federal Credit Union 4, -0.00% 2.39%
Renasant Bank 5, 0.00% 3.41%
LoanDepot 6, 0.02% 9.90%
Caliber Home Loans Inc 7, 0.03% 3.41%
Gmfs 8, 0.03% 2.39%
Triumph Bank 9, 0.03% 1.37%
Bay Equity 10, 0.03% 1.02%
Ditech Financial 11, 0.04% 2.39%
Max Credit Union 12, 0.04% 1.02%
Synovus Mortgage Corp 13, 0.04% 0.68%
Crescent Mortgage Company 14, 0.04% 0.34%
Pennymac Loan Services 15, 0.04% 5.12%
Troy Bank and Trust 16, 0.04% 0.34%
InterLinc Mortgage Services 17, 0.04% 0.68%
SouthPoint Bank 18, 0.05% 0.68%
Fairway Independent Mort Corp 19, 0.05% 4.10%
FirstBank 20, 0.05% 0.68%
Certainty Home Loans 21, 0.05% 1.71%
Carrington Mortgage Services 22, 0.06% 4.10%
CMG Mortgage Inc 23, 0.07% 1.02%
Wells Fargo Bank 24, 0.07% 0.34%
Regions Bank 25, 0.07% 0.68%
Nationstar Mortgage 26, 0.09% 2.39%
Quicken Loans 27, 0.11% 17.06%

* Data is compiled for the Montgomery, AL commuting zone area, which comprises of counties of Autauga County, AL, Butler County, AL, Covington County, AL, Crenshaw County, AL, Elmore County, AL, Lowndes County, AL, Montgomery County, AL, and Pike County, AL. This includes cities/towns/communities of Montgomery, AL as well as Prattville, AL, Pine Level, AL, Wetumpka, AL, Troy, AL, Holtville, AL, Millbrook, AL, Pike Road, AL, Deatsville, AL, Emerald Mountain, AL, Greenville, AL, Andalusia, AL, Eclectic, AL, Opp, AL, Coosada, AL, Gantt, AL, Luverne, AL, Prattville, AL, Hayneville, AL, River Falls, AL, Goshen, AL, Banks, AL, Brundidge, AL, Lockhart, AL, Billingsley, AL, Babbie, AL, Horn Hill, AL, Autaugaville, AL, White Hall, AL, Carolina, AL, Fort Deposit, AL, Brantley, AL, Georgiana, AL, Petrey, AL, McKenzie, AL, and Mosses, AL. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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