refinance lenders · HMDA 2023–2025

Refinance lenders in Montgomery County, Alabama

Fat Boy Data analyzed mortgage refinance activity in Montgomery County, Alabama to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,669 applications were decided by 134 lenders between 2023 and 2025.

Montgomery County at a glance

134Active lenders18 with 20+ decisions
72.6%Market approval rate1,212 of 1,669 decided
$205KTypical loanmedian lender, $10K brackets
88%Borrower take-up1,069 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County72.6%Alabama77.5%All 616 counties76.5%
Typical loan compared
Montgomery County$205KAlabama$205KAll 616 counties$295K

What the data shows

Regions Bank made the most mortgage refinances in Montgomery County, AL, 180 of them.

River Bank & Trust approved the highest share of applications among lenders with at least 20 decisions here, 95% of 41.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%One lender: 26% approved of 23Guardian Credit Union: 51% approved of 74One lender: 53% approved of 36One lender: 56% approved of 57Regions Bank: 59% approved of 357One lender: 60% approved of 57One lender: 62% approved of 56One lender: 65% approved of 31Rocket Mortgage, LLC: 76% approved of 90One lender: 80% approved of 25United Wholesale Mortgage, LLC: 86% approved of 117One lender: 90% approved of 49One lender: 91% approved of 23One lender: 91% approved of 47One lender: 93% approved of 42One lender: 94% approved of 34One lender: 95% approved of 41Freedom Mortgage Corporation: 98% approved of 84

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank59%210 / 35786%$65K180
2United Wholesale Mortgage, LLCBroker only86%101 / 11795%$295K96
3Rocket Mortgage, LLC76%68 / 9084%$215K57
4Freedom Mortgage Corporation98%82 / 8470%$255K57
5Guardian Credit Union51%38 / 7489%$75K34

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 129 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Montgomery County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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