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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Billings
Updated February 5, 2026
Market Overview
37
Total Lenders
1,933
Total Loans
0.06%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VALLEY FINANCIAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $3,511 | -0.728% | 85 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,428 | +0.005% | 146 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $857 | +0.091% | 52 | |
4 | Altana Federal Credit Union | Strong | Strong | Acceptable | Exceptional | $1,693 | -1.055% | 55 | |
5 | Stockman Bank of Montana | Strong | Acceptable | Exceptional | Exceptional | $3,314 | +0.049% | 197 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,252 | +0.297% | 118 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,502 | +0.134% | 74 | |
8 | Servion, Inc. | Strong | Sound | Strong | Strong | $3,282 | +0.298% | 40 | |
9 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $4,603 | +0.249% | 114 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $5,282 | +0.088% | 93 | |
11 | Opportunity Bank of Montana | Strong | Acceptable | Strong | Exceptional | $3,609 | +0.147% | 72 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,990 | +0.462% | 58 | |
13 | BILLINGS | Strong | Sound | Sound | Strong | $3,741 | -0.335% | 47 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,574 | -0.088% | 31 | |
15 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $5,227 | +0.226% | 244 | |
16 | Glacier Bank | Strong | Acceptable | Sound | Exceptional | $3,226 | +0.075% | 94 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,303 | +0.242% | 57 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,474 | +0.326% | 51 | |
19 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,534 | +0.349% | 38 | |
20 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,605 | +0.234% | 32 | |
21 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Sound | $6,154 | -0.696% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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