Safe Rate Rankings

Best All Lender Mortgage Lenders in Missoula

Updated May 19, 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 Lenders18

Total Loans745

Median Rate Spread0.13%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,806Fees	0.083%Above	62
2	Stockman Bank of MontanaBank	Strong	Acceptable	Exceptional	Exceptional	$3,599Fees	0.069%Above	53
3	Opportunity Bank of MontanaBank	Strong	Acceptable	Strong	Exceptional	$3,497Fees	0.154%Above	92
4	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,748Fees	0.373%Above	71
5	CLEARWATER Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Exceptional	$2,074Fees	0.272%Below	57
6	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,620Fees	0.202%Above	51
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,696Fees	0.136%Above	48
8	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$4,443Fees	0.052%Below	22
9	Glacier BankBank	Strong	Acceptable	Sound	Exceptional	$3,843Fees	0.063%Above	60
10	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,651Fees	0.148%Above	51
11	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$5,250Fees	0.221%Above	60
12	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,631Fees	0.104%Above	46

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.