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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 Helena
Updated February 6, 2026
Market Overview
25
Total Lenders
821
Total Loans
0.15%
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 | Sound | $2,010 | -0.025% | 29 | |
2 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,443 | +0.263% | 11 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,581 | +0.151% | 56 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,764 | -0.122% | 16 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,838 | +0.101% | 11 | |
6 | Stockman Bank of Montana | Strong | Acceptable | Strong | Strong | Exceptional | $3,757 | +0.043% | 106 | |
7 | Glacier Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,797 | +0.087% | 74 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.088% | 37 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,662 | -0.403% | 21 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $3,047 | +0.685% | 10 | |
11 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,906 | +0.264% | 181 | |
12 | Opportunity Bank of Montana | Strong | Acceptable | Strong | Strong | Strong | $3,648 | -0.002% | 43 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $6,315 | +0.179% | 20 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,441 | +0.230% | 13 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,873 | +0.455% | 13 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $418 | +0.250% | 12 | |
17 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $4,623 | +0.275% | 17 | |
18 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,645 | +0.393% | 24 | |
19 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Sound | $4,599 | +0.630% | 17 | |
20 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,965 | +0.076% | 10 | |
21 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $5,428 | -0.071% | 14 | |
22 | INTREPID CREDIT UNION | Acceptable | Acceptable | Mediocre | Mediocre | Sound | $2,780 | +0.218% | 14 |
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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Helena, MTConventional
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