Ranked by the dollar value of loans originated. Volume is not quality, but it does tell you who is set up to close at scale.
| # | Lender | Grade | Dollar volume | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier BankKalispell, MT | D | $771M | 3,018 | 16.2% | 7.25% |
| 2 | Stockman Bank of MontanaMiles City, MT | B | $638M | 2,911 | 6.3% | 6.88% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | $576M | 1,857 | 9.2% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | $392M | 1,999 | 17.5% | 6.75% |
| 5 | Opportunity Bank of MontanaHelena, MT | B | $292M | 1,608 | 9.8% | 6.88% |
| 6 | Evergreen Moneysource MortgageBellevue, WA | B | $287M | 1,158 | 1.1% | 6.25% |
| 7 | Crosscountry MortgageCleveland, OH | B | $259M | 920 | 5.1% | 6.63% |
| 8 | JPMorgan Chase BankColumbus, OH | B | $240M | 252 | 8.3% | 6.38% |
| 9 | Guaranteed RateChicago, IL | B | $211M | 758 | 6.3% | 6.50% |
| 10 | U.S. BankCincinnati, OH | D | $203M | 1,024 | 27.1% | 7.13% |
| 11 | Mortgage Research CenterColumbia, MO | C | $171M | 940 | 16.7% | 6.13% |
| 12 | Guild MortgageSan Diego, CA | A | $151M | 733 | 3.7% | 6.25% |
| 13 | Colliers MortgageMinneapolis, MN | A | $147M | 5 | 0.0% | 5.53% |
| 14 | Kind LendingIrvine, CA | C | $134M | 450 | 21.1% | 6.50% |
| 15 | First Interstate BankBillings, MT | D | $127M | 987 | 22.9% | 8.25% |
| 16 | Freedom MortgageBoca Raton, FL | B | $125M | 724 | 8.6% | 6.00% |
| 17 | Pennymac Loan ServicesWestlake Village, CA | C | $121M | 667 | 11.8% | 6.62% |
| 18 | Wells Fargo BankCharlotte, NC | B | $120M | 281 | 15.7% | 6.38% |
| 19 | Cornerstone Capital BankHouston, TX | A | $102M | 264 | 1.1% | 6.63% |
| 20 | Bank of AmericaCharlotte, NC | F | $92M | 306 | 27.1% | 6.00% |
| 21 | Morgan Stanley Private BankNew York, NY | A | $90M | 50 | 12.0% | 5.95% |
| 22 | TrailWest BankLolo, MT | C | $83M | 253 | 7.5% | — |
| 23 | The Yellowstone BankBillings, MT | B | $75M | 283 | 3.9% | — |
| 24 | Primelending, a PlainscapitalDallas, TX | A | $73M | 211 | 2.4% | 6.63% |
| 25 | Calcon Mutual MortgageSan Diego, CA | D | $70M | 220 | 8.2% | 5.99% |
| 26 | Union Home MortgageStrongsville, OH | B | $69M | 245 | 4.5% | 6.50% |
| 27 | Churchill MortgageBrentwood, TN | B | $68M | 237 | 1.7% | 6.13% |
| 28 | NewrezWilmington, DE | D | $68M | 481 | 15.0% | 6.50% |
| 29 | LowerColumbia, MD | C | $65M | 300 | 8.0% | 6.00% |
| 30 | Fairway Independent MortgageMadison, WI | B | $64M | 296 | 4.4% | 6.13% |
| 31 | Synergy One LendingSan Diego, CA | C | $62M | 273 | 8.4% | 6.50% |
| 32 | CitibankSioux Falls, SD | B | $56M | 40 | 20.0% | 6.06% |
| 33 | Altana Federal Credit UnionBillings, MT | A | $55M | 474 | 17.7% | 6.25% |
| 34 | Barrington Bank & Trust CompanyBarrington, IL | C | $51M | 188 | 5.3% | 6.28% |
| 35 | Navy Federal Credit UnionVienna, VA | D | $50M | 384 | 18.8% | 6.94% |
| 36 | CLEARWATER Federal Credit UnionMissoula, MT | D | $50M | 251 | 16.3% | 7.25% |
| 37 | Loandepot.ComIrvine, CA | D | $49M | 406 | 27.3% | 6.99% |
| 38 | Plains Commerce BankSioux Falls, SD | B | $48M | 142 | 9.9% | 6.50% |
| 39 | Valley Financial Credit UnionBillings, MT | D | $47M | 343 | 21.6% | 7.25% |
| 40 | CMG MortgageSan Ramon, CA | A | $47M | 168 | 8.3% | 6.75% |
| 41 | BMO BankChicago, IL | F | $46M | 21 | 28.6% | 5.63% |
| 42 | GoPrime MortgageApex, NC | B | $46M | 107 | 1.9% | 6.63% |
| 43 | Nationstar MortgageCoppell, TX | C | $45M | 323 | 15.2% | 7.99% |
| 44 | Mutual of Omaha MortgageSan Diego, CA | C | $44M | 220 | 17.3% | 6.43% |
| 45 | The Loan StoreSan Francisco, CA | B | $42M | 137 | 5.8% | 6.38% |
| 46 | Broker SolutionsTustin, CA | D | $42M | 495 | 11.9% | 6.75% |
| 47 | Independence BankHavre, MT | B | $41M | 120 | 9.2% | — |
| 48 | Prosperity Home MortgageFairfax, VA | A | $41M | 139 | 6.5% | 6.63% |
| 49 | Securitynational MortgageSalt Lake City, UT | D | $39M | 121 | 9.1% | 6.75% |
| 50 | USAA Federal Savings BankPhoenix, AZ | C | $38M | 193 | 26.9% | 6.38% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
