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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 VA 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 | Strong | Exceptional | Exceptional | Exceptional | $2,936 | +0.056% | 821 | |
2 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $5,483 | +0.445% | 134 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $761 | -0.086% | 32 | |
4 | Opportunity Bank of Montana | Exceptional | Strong | Strong | Strong | Exceptional | $3,381 | +0.038% | 496 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,449 | +0.110% | 389 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,118 | +0.075% | 216 | |
7 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,708 | +0.287% | 176 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,778 | -0.053% | 120 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,829 | -0.051% | 112 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,925 | +0.388% | 86 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $946 | -0.549% | 64 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,366 | +0.316% | 121 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,055 | +0.136% | 111 | |
14 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,855 | -0.117% | 77 | |
15 | Stockman Bank of Montana | Strong | Sound | Strong | Strong | Exceptional | $3,463 | +0.052% | 1,017 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,224 | +0.290% | 696 | |
17 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $3,654 | +0.126% | 592 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.272% | 104 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,253 | +0.156% | 94 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,459 | +0.136% | 92 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,197 | +0.142% | 81 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $962 | -0.030% | 72 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,069 | +0.141% | 29 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,847 | +0.404% | 439 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,699 | +0.234% | 155 | |
26 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,484 | +0.214% | 34 | |
27 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,985 | +0.260% | 523 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,172 | +0.495% | 336 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,965 | +0.144% | 303 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,372 | +0.192% | 153 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,664 | +0.381% | 74 | |
32 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $2,682 | +0.168% | 93 | |
33 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,152 | +0.289% | 82 | |
34 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $5,991 | -0.070% | 76 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,868 | +0.400% | 66 | |
36 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,457 | +0.378% | 24 | |
37 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Strong | $3,849 | +0.275% | 73 | |
38 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,666 | +0.289% | 126 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,650 | +0.695% | 53 | |
40 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,404 | +0.806% | 38 | |
41 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $6,111 | +0.275% | 21 | |
42 | INTREPID CREDIT UNION | Sound | Acceptable | — | Acceptable | Sound | $2,783 | +0.199% | 22 |
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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