Safe Rate Rankings

Best Conventional Mortgage Lenders in Billings

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders37

Total Loans1,933

Median Rate Spread0.06%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VALLEY FINANCIAL CREDIT UNIONCredit Union	Exceptional	Strong	Sound	Exceptional	Exceptional	$3,511Fees	0.728%Below	85
2	Altana Federal Credit UnionCredit Union	Exceptional	Strong	Sound	Exceptional	Exceptional	$1,693Fees	1.055%Below	55
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$857Fees	0.091%Above	52
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,458Fees	0.686%Below	11
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,428Fees	0.005%Above	146
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,252Fees	0.297%Above	118
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,766Fees	0.136%Below	19
8	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,603Fees	0.249%Above	114
9	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,282Fees	0.298%Above	40
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$6,868Fees	0.464%Below	17
11	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$87Fees	0.476%Below	14
12	Stockman Bank of MontanaBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,314Fees	0.049%Above	197
13	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,226Fees	0.075%Above	94
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,282Fees	0.088%Above	93
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,502Fees	0.134%Above	74
16	Opportunity Bank of MontanaBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,609Fees	0.147%Above	72
17	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,990Fees	0.462%Above	58
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,303Fees	0.242%Above	57
19	BILLINGSCredit Union	Strong	Sound	Sound	Strong	Strong	$3,741Fees	0.335%Below	47
20	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,534Fees	0.349%Above	38
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,211Fees	0.100%Below	12
22	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,227Fees	0.226%Above	244
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,719Fees	0.556%Above	16
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,177Fees	0.492%Above	13
25	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,569Fees	0.418%Above	11
26	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,605Fees	0.234%Above	32
27	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$3,747Fees	0.305%Below	15
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,483Fees	0.618%Above	12
29	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$6,316Fees	0.374%Above	14
30	First Interstate BankBank	Sound	Sound	Sound	Acceptable	Sound	$2,358Fees	0.132%Above	12
31	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,154Fees	0.696%Below	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.