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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,118	+0.075%	216
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$946	-0.549%	64
3	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,438	+0.111%	109
4	VALLEY FINANCIAL CREDIT UNION	Exceptional	Strong	Sound	Exceptional	Strong	$3,373	-0.677%	100
5	Altana Federal Credit Union	Exceptional	Strong	Sound	Exceptional	Strong	$1,749	-1.062%	60
6	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$496	-0.472%	33
7	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$761	-0.086%	32
8	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,787	+0.067%	30
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,936	+0.056%	821
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,224	+0.290%	696
11	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$4,459	+0.136%	92
12	Barrington Bank & Trust Company, National Association	Strong	Sound	Exceptional	Strong	Strong	$3,849	+0.275%	73
13	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$962	-0.030%	72
14	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,847	+0.404%	439
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,778	-0.053%	120
16	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,505	+0.118%	65
17	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$2,069	+0.141%	29
18	BMO Bank National Association	Strong	Strong	Strong	Sound	Sound	$984	+0.285%	23
19	Stockman Bank of Montana	Strong	Acceptable	Strong	Strong	Exceptional	$3,463	+0.052%	1,017
20	Glacier Bank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,654	+0.126%	592
21	Opportunity Bank of Montana	Strong	Acceptable	Strong	Strong	Exceptional	$3,381	+0.038%	496
22	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,449	+0.110%	389
23	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,965	+0.144%	303
24	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,708	+0.287%	176
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,699	+0.234%	155
26	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,372	+0.192%	153
27	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,366	+0.316%	121
28	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,829	-0.051%	112
29	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,055	+0.136%	111
30	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$3,170	+0.272%	104
31	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,253	+0.156%	94
32	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,925	+0.388%	86
33	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,664	+0.381%	74
34	CLEARWATER Federal Credit Union	Strong	Sound	Sound	Strong	Strong	$2,196	-0.263%	67
35	Servion, Inc.	Strong	Sound	Strong	Strong	Sound	$3,142	+0.299%	48
36	BILLINGS	Strong	Sound	Sound	Strong	Strong	$3,741	-0.335%	47
37	SOFI BANK, NATIONAL ASSOCIATION	Strong	Strong	Strong	Acceptable	Sound	$803	+0.070%	22
38	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,985	+0.260%	523
39	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$4,152	+0.289%	82
40	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,197	+0.142%	81
41	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$1,855	-0.117%	77
42	GoPrime Mortgage, Inc.	Strong	Acceptable	Strong	Strong	Strong	$5,367	+0.282%	73
43	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$4,868	+0.400%	66
44	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,506	+0.384%	46
45	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,484	+0.214%	34
46	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,389	+0.668%	23
47	Mountain America Federal Credit Union	Strong	Sound	Strong	Sound	Sound	$2,721	-0.130%	22
48	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,172	+0.495%	336
49	ENVOY MORTGAGE, LTD	Strong	Acceptable	Strong	Sound	Strong	$2,682	+0.168%	93
50	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,650	+0.695%	53

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.

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