# Best Conventional Mortgage Lenders in Bozeman, MT

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Bozeman, MT. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/bozeman-mt/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 28
- **Total Loans:** 1,057
- **Median Rate Spread:** 0.17996428571428572%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 85 | 75 | 69 | 39 | Bank |
| 2 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 155 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 72 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 49 | Independent Mortgage Company |
| 5 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 15 | Bank |
| 6 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 14 | Bank |
| 7 | Stockman Bank of Montana | 71 | 30 | 78 | 122 | Bank |
| 8 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 61 | Independent Mortgage Company |
| 9 | Glacier Bank | 70 | 31 | 58 | 70 | Bank |
| 10 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 12 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 25 | Independent Mortgage Company |
| 12 | GoPrime Mortgage, Inc. | 67 | 31 | 74 | 55 | Independent Mortgage Company |
| 13 | Opportunity Bank of Montana | 67 | 26 | 67 | 28 | Bank |
| 14 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 25 | Independent Mortgage Company |
| 15 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 24 | Independent Mortgage Company |
| 16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 20 | Independent Mortgage Company |
| 17 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 17 | Independent Mortgage Company |
| 18 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 16 | Independent Mortgage Company |
| 19 | Flagstar Bank, N.A. | 66 | 34 | 72 | 13 | Bank |
| 20 | CORNERSTONE CAPITAL BANK, SSB | 63 | 20 | 74 | 84 | Bank |
| 21 | NEWREZ LLC | 62 | 31 | 58 | 22 | Independent Mortgage Company |
| 22 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 60 | 11 | 77 | 29 | Independent Mortgage Company |
| 23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 25 | 78 | 11 | Independent Mortgage Company |
| 24 | Flanagan State Bank | 58 | 23 | 57 | 11 | Bank |
| 25 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 25 | Independent Mortgage Company |
| 26 | First Interstate Bank | 54 | 49 | 32 | 16 | Bank |
| 27 | CALCON MUTUAL MORTGAGE LLC | 49 | 15 | 55 | 13 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Bozeman, MT.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.