# Best Mortgage Lenders in Helena, MT

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

Compare the top mortgage lenders in Helena, MT. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/helena-mt/best-mortgage-lenders


> **📋 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:** 25
- **Total Loans:** 821
- **Median Rate Spread:** 0.15484%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Stockman Bank of Montana | 74 | 35 | 82 | 106 | Bank |
| 2 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 37 | Independent Mortgage Company |
| 3 | U.S. Bank National Association | 73 | 75 | 71 | 29 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 71 | 41 | 93 | 21 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 56 | Independent Mortgage Company |
| 6 | Mortgage Research Center, LLC | 63 | 34 | 70 | 50 | Independent Mortgage Company |
| 7 | Opportunity Bank of Montana | 63 | 35 | 73 | 43 | Bank |
| 8 | Glacier Bank | 62 | 32 | 58 | 74 | Bank |
| 9 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 20 | Independent Mortgage Company |
| 10 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 58 | 11 | 84 | 181 | Independent Mortgage Company |
| 11 | CHURCHILL MORTGAGE CORPORATION | 46 | 18 | 65 | 24 | 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 Helena, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.