Safe Rate Rankings

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

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.