# Best Conventional Mortgage Lenders in Missoula, MT

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

Compare the top Conventional mortgage lenders in Missoula, MT. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/missoula-mt/best-mortgage-lenders/conventional-loans


> **📋 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 | 80 | 36 | 86 | 62 | Independent Mortgage Company |
| 2 | Bank of America, National Association | 79 | 71 | 67 | 11 | Bank |
| 3 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 71 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 48 | Independent Mortgage Company |
| 5 | CLEARWATER Federal Credit Union | 73 | 48 | 62 | 57 | Credit Union |
| 6 | Opportunity Bank of Montana | 71 | 26 | 67 | 92 | Bank |
| 7 | Stockman Bank of Montana | 71 | 30 | 78 | 53 | Bank |
| 8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 26 | 76 | 51 | Independent Mortgage Company |
| 9 | KIND LENDING, LLC | 71 | 31 | 66 | 51 | Independent Mortgage Company |
| 10 | Glacier Bank | 70 | 31 | 58 | 60 | Bank |
| 11 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 22 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 16 | Independent Mortgage Company |
| 13 | CHURCHILL MORTGAGE CORPORATION | 63 | 19 | 62 | 60 | Independent Mortgage Company |
| 14 | ENVOY MORTGAGE, LTD | 63 | 24 | 55 | 46 | Independent Mortgage Company |
| 15 | Synergy One Lending, Inc. | 63 | 22 | 63 | 11 | Independent Mortgage Company |
| 16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 25 | 78 | 10 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.