Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,841Fees	0.097%Above	11
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,806Fees	0.083%Above	62
3	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,748Fees	0.373%Above	71
4	CLEARWATER Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	Exceptional	$2,074Fees	0.272%Below	57
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,696Fees	0.136%Above	48
6	Opportunity Bank of MontanaBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,497Fees	0.154%Above	92
7	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,843Fees	0.063%Above	60
8	Stockman Bank of MontanaBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,599Fees	0.069%Above	53
9	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,620Fees	0.202%Above	51
10	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,651Fees	0.148%Above	51
11	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,250Fees	0.221%Above	60
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,443Fees	0.052%Below	22
13	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,741Fees	0.311%Above	16
14	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,631Fees	0.104%Above	46
15	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,550Fees	0.264%Above	11
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$4,178Fees	0.187%Above	10

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.