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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 FHA Mortgage Lenders in Montana
Updated February 6, 2026
Market Overview
90
Total Lenders
9,910
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,936 | +0.056% | 821 | |
2 | Opportunity Bank of Montana | Exceptional | Strong | Strong | Strong | Exceptional | $3,381 | +0.038% | 496 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,829 | -0.051% | 112 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,925 | +0.388% | 86 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,118 | +0.075% | 216 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,778 | -0.053% | 120 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,069 | +0.141% | 29 | |
8 | Stockman Bank of Montana | Strong | Sound | Strong | Strong | Exceptional | $3,463 | +0.052% | 1,017 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,224 | +0.290% | 696 | |
10 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $3,654 | +0.126% | 592 | |
11 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,708 | +0.287% | 176 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.272% | 104 | |
13 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,253 | +0.156% | 94 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,459 | +0.136% | 92 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,699 | +0.234% | 155 | |
16 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,483 | +0.445% | 134 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,055 | +0.136% | 111 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,197 | +0.142% | 81 | |
19 | LAKEVIEW LOAN SERVICING, LLC | Strong | Strong | Strong | Sound | Sound | $1,906 | +0.258% | 23 | |
20 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,985 | +0.260% | 523 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.110% | 389 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,965 | +0.144% | 303 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,372 | +0.192% | 153 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,366 | +0.316% | 121 | |
25 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,152 | +0.289% | 82 | |
26 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $3,849 | +0.275% | 73 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,868 | +0.400% | 66 | |
28 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Sound | $5,452 | +0.269% | 26 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,847 | +0.404% | 439 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,172 | +0.495% | 336 | |
31 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $2,682 | +0.168% | 93 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $962 | -0.030% | 72 | |
33 | Servion, Inc. | Strong | Sound | Strong | Sound | Sound | $3,142 | +0.299% | 48 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,506 | +0.384% | 46 | |
35 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,457 | +0.378% | 24 | |
36 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,666 | +0.289% | 126 | |
37 | CALCON MUTUAL MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,991 | -0.070% | 76 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,664 | +0.381% | 74 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,493 | +0.519% | 47 | |
40 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,610 | +0.196% | 27 | |
41 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $4,000 | +0.737% | 33 | |
42 | First Interstate Bank | Sound | Sound | Acceptable | Mediocre | Strong | $2,034 | +0.363% | 86 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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