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