Safe Rate Rankings

Best All Lender Mortgage Lenders in Bozeman

Updated May 22, 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 Lenders28

Total Loans1,057

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$303Fees	0.082%Below	39
2	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,999Fees	0.090%Above	155
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,834Fees	0.027%Below	72
4	GoPrime Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$5,495Fees	0.247%Above	55
5	Stockman Bank of MontanaBank	Strong	Acceptable	Exceptional	Exceptional	$4,605Fees	0.130%Above	122
6	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Exceptional	$5,697Fees	0.359%Above	84
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,933Fees	0.008%Below	49
8	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,419Fees	0.112%Above	25
9	Glacier BankBank	Strong	Acceptable	Sound	Exceptional	$4,044Fees	0.118%Above	70
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,329Fees	0.407%Above	61
11	Opportunity Bank of MontanaBank	Strong	Acceptable	Strong	Strong	$4,029Fees	0.309%Above	28
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,247Fees	0.133%Above	25
13	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,059Fees	0.101%Above	20
14	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,050Fees	0.193%Above	29
15	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,994Fees	0.349%Above	24
16	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$6,196Fees	0.659%Above	25
17	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,339Fees	0.045%Below	22

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.