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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 Conventional Mortgage Company Lenders in Montana
Updated February 6, 2026
Market Overview
37
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 | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,936 | +0.056% | 821 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,224 | +0.290% | 696 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,459 | +0.136% | 92 | |
4 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $962 | -0.030% | 72 | |
5 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,847 | +0.404% | 439 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,778 | -0.053% | 120 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,069 | +0.141% | 29 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.110% | 389 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,965 | +0.144% | 303 | |
10 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,708 | +0.287% | 176 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,699 | +0.234% | 155 | |
12 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,372 | +0.192% | 153 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,366 | +0.316% | 121 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,829 | -0.051% | 112 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,055 | +0.136% | 111 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,925 | +0.388% | 86 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,664 | +0.381% | 74 | |
18 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $3,142 | +0.299% | 48 | |
19 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,985 | +0.260% | 523 | |
20 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,152 | +0.289% | 82 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,197 | +0.142% | 81 | |
22 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,367 | +0.282% | 73 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,868 | +0.400% | 66 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,506 | +0.384% | 46 | |
25 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,484 | +0.214% | 34 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,389 | +0.668% | 23 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,172 | +0.495% | 336 | |
28 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,666 | +0.289% | 126 | |
29 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $2,682 | +0.168% | 93 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,650 | +0.695% | 53 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,493 | +0.519% | 47 | |
32 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,744 | +0.433% | 22 | |
33 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $5,991 | -0.070% | 76 | |
34 | AMERICAN FINANCING CORPORATION | Sound | Acceptable | Strong | Acceptable | Sound | $5,452 | +0.269% | 26 | |
35 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $5,610 | +0.196% | 27 | |
36 | LAKEVIEW LOAN SERVICING, LLC | Sound | Acceptable | Sound | Mediocre | Sound | $1,906 | +0.258% | 23 | |
37 | AgWest Farm Credit, FLCA | Acceptable | Mediocre | Acceptable | Mediocre | 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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