# Best Mortgage Lenders in Missoula, MT

**As of:** 2026-05-19

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

> **Canonical URL:** https://saferate.com/missoula-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:** 18
- **Total Loans:** 745
- **Median Rate Spread:** 0.1305%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 62 | Independent Mortgage Company |
| 2 | Stockman Bank of Montana | 74 | 35 | 82 | 53 | Bank |
| 3 | Opportunity Bank of Montana | 68 | 35 | 73 | 92 | Bank |
| 4 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 71 | Independent Mortgage Company |
| 5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 51 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 48 | Independent Mortgage Company |
| 7 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 22 | Independent Mortgage Company |
| 8 | KIND LENDING, LLC | 63 | 39 | 73 | 51 | Independent Mortgage Company |
| 9 | Glacier Bank | 62 | 32 | 58 | 60 | Bank |
| 10 | CLEARWATER Federal Credit Union | 62 | 50 | 31 | 57 | Credit Union |
| 11 | ENVOY MORTGAGE, LTD | 58 | 23 | 55 | 46 | Independent Mortgage Company |
| 12 | CHURCHILL MORTGAGE CORPORATION | 54 | 18 | 65 | 60 | 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 Missoula, 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.