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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 Bozeman
Updated February 6, 2026
Market Overview
28
Total Lenders
1,057
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $303 | -0.082% | 39 | |
2 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,940 | -0.015% | 14 | |
3 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,999 | +0.090% | 155 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,834 | -0.027% | 72 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,933 | -0.008% | 49 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,000 | +0.020% | 15 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,326 | +0.014% | 12 | |
8 | Stockman Bank of Montana | Strong | Acceptable | Strong | Strong | Exceptional | $4,605 | +0.130% | 122 | |
9 | Glacier Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,044 | +0.118% | 70 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,329 | +0.407% | 61 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,419 | +0.112% | 25 | |
12 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,697 | +0.359% | 84 | |
13 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,495 | +0.247% | 55 | |
14 | Opportunity Bank of Montana | Strong | Acceptable | Strong | Strong | Strong | $4,029 | +0.309% | 28 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,247 | +0.133% | 25 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,994 | +0.349% | 24 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,059 | +0.101% | 20 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,179 | +0.651% | 17 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,207 | +0.011% | 16 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $4,533 | +0.035% | 13 | |
21 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,050 | +0.193% | 29 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,339 | -0.045% | 22 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Acceptable | $5,106 | +0.603% | 11 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $6,196 | +0.659% | 25 | |
25 | First Interstate Bank | Sound | Sound | Sound | Acceptable | Sound | $2,026 | +0.415% | 16 | |
26 | Flanagan State Bank | Sound | Acceptable | Strong | Sound | Sound | $4,003 | +0.238% | 11 | |
27 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $6,210 | +0.642% | 13 |
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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Bozeman, MTConventional
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