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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,118 | +0.075% | 216 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,438 | +0.111% | 109 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $496 | -0.472% | 33 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,787 | +0.067% | 30 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,449 | +0.110% | 389 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,936 | +0.056% | 821 | |
7 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,224 | +0.290% | 696 | |
8 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $984 | +0.285% | 23 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,778 | -0.053% | 120 | |
10 | Stockman Bank of Montana | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,463 | +0.052% | 1,017 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,847 | +0.404% | 439 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,505 | +0.118% | 65 | |
13 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $5,483 | +0.445% | 134 | |
14 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,925 | +0.388% | 86 | |
15 | First Interstate Bank | Strong | Sound | Strong | Sound | Strong | $2,034 | +0.363% | 86 | |
16 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,985 | +0.260% | 523 | |
17 | Opportunity Bank of Montana | Strong | Acceptable | Sound | Strong | Exceptional | $3,381 | +0.038% | 496 | |
18 | Glacier Bank | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,654 | +0.126% | 592 | |
19 | CLEARWATER Federal Credit Union | Strong | Sound | — | Acceptable | Strong | $2,196 | -0.263% | 67 | |
20 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $3,170 | +0.272% | 104 | |
21 | AgWest Farm Credit, FLCA | Sound | Mediocre | Strong | Sound | Sound | $4,021 | +0.637% | 21 |
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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