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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 Mortgage Lenders in Montana

Updated February 6, 2026

Market Overview

Total Lenders

9,910

Total Loans

0.17%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	$496	-0.472%	33
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,936	+0.056%	821
3	U.S. Bank National Association	Strong	Strong	Strong	Strong	$1,118	+0.075%	216
4	VALLEY FINANCIAL CREDIT UNION	Strong	Strong	Strong	Strong	$3,373	-0.677%	100
5	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$946	-0.549%	64
6	NBKC BANK	Strong	Exceptional	Sound	Sound	$761	-0.086%	32
7	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,438	+0.111%	109
8	GoPrime Mortgage, Inc.	Strong	Sound	Exceptional	Strong	$5,367	+0.282%	73
9	Bank of America, National Association	Strong	Strong	Strong	Sound	$1,787	+0.067%	30
10	Stockman Bank of Montana	Strong	Acceptable	Exceptional	Exceptional	$3,463	+0.052%	1,017
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,224	+0.290%	696
12	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,449	+0.110%	389
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,778	-0.053%	120
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,829	-0.051%	112
15	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$4,459	+0.136%	92
16	Altana Federal Credit Union	Strong	Strong	Acceptable	Strong	$1,749	-1.062%	60
17	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Sound	$2,069	+0.141%	29
18	Opportunity Bank of Montana	Strong	Acceptable	Strong	Exceptional	$3,381	+0.038%	496
19	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,847	+0.404%	439
20	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$4,965	+0.144%	303
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$3,699	+0.234%	155
22	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,366	+0.316%	121
23	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	$3,055	+0.136%	111
24	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$1,855	-0.117%	77
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$962	-0.030%	72
26	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	$2,505	+0.118%	65
27	Servion, Inc.	Strong	Sound	Strong	Sound	$3,142	+0.299%	48
28	BILLINGS	Strong	Sound	Sound	Strong	$3,741	-0.335%	47
29	Glacier Bank	Strong	Acceptable	Sound	Exceptional	$3,654	+0.126%	592
30	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Strong	Mediocre	Exceptional	Exceptional	$4,985	+0.260%	523
31	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,172	+0.495%	336
32	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$2,708	+0.287%	176
33	LOWER, LLC	Strong	Acceptable	Strong	Strong	$4,372	+0.192%	153
34	CORNERSTONE CAPITAL BANK, SSB	Strong	Acceptable	Strong	Strong	$5,483	+0.445%	134
35	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,170	+0.272%	104
36	Plains Commerce Bank	Strong	Acceptable	Strong	Strong	$3,253	+0.156%	94
37	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Strong	$1,925	+0.388%	86
38	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	$4,152	+0.289%	82
39	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,664	+0.381%	74
40	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Strong	Strong	$3,849	+0.275%	73
41	CLEARWATER Federal Credit Union	Strong	Sound	Acceptable	Strong	$2,196	-0.263%	67
42	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$4,868	+0.400%	66
43	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	$3,389	+0.668%	23
44	BMO Bank National Association	Strong	Sound	Sound	Sound	$984	+0.285%	23
45	Mountain America Federal Credit Union	Strong	Sound	Sound	Sound	$2,721	-0.130%	22
46	ENVOY MORTGAGE, LTD	Sound	Acceptable	Sound	Strong	$2,682	+0.168%	93
47	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$3,197	+0.142%	81
48	Paramount Residential Mortgage Group, Inc.	Sound	Acceptable	Strong	Sound	$3,506	+0.384%	46
49	THE LOAN STORE, INC.	Sound	Acceptable	Strong	Sound	$2,484	+0.214%	34
50	MORTGAGE SOLUTIONS OF COLORADO, LLC	Sound	Acceptable	Strong	Sound	$3,457	+0.378%	24

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.

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