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Top-rated mortgage lenders in Montana (2025)

Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.

37kApplications in MT
18.7%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Montana ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeGradeApplicationsDenial rateMedian rate
1 Bravera BankDickinson, ND A 81.8 score 109 1.8% —
2 Primelending, a PlainscapitalDallas, TX A 77.9 score 211 2.4% 6.63%
3 Altana Federal Credit UnionBillings, MT A 76.3 score 474 17.7% 6.25%
4 CMG MortgageSan Ramon, CA A 73.7 score 168 8.3% 6.75%
5 Cornerstone Capital BankHouston, TX A 71.7 score 264 1.1% 6.63%
6 Guild MortgageSan Diego, CA A 70.8 score 733 3.7% 6.25%
7 Prosperity Home MortgageFairfax, VA A 69.9 score 139 6.5% 6.63%
8 United Shore Financial ServicesPlymouth, MI B 67.5 score 1,857 9.2% 6.25%
9 JPMorgan Chase BankColumbus, OH B 65.3 score 252 8.3% 6.38%
10 GoPrime MortgageApex, NC B 64.6 score 107 1.9% 6.63%
11 Evergreen Moneysource MortgageBellevue, WA B 64.5 score 1,158 1.1% 6.25%
12 Fairway Independent MortgageMadison, WI B 64.5 score 296 4.4% 6.13%
13 Union Home MortgageStrongsville, OH B 62.8 score 245 4.5% 6.50%
14 Citizens Alliance BankClara City, MN B 62.5 score 109 7.3% —
15 Guaranteed RateChicago, IL B 62.3 score 758 6.3% 6.50%
16 Plains Commerce BankSioux Falls, SD B 59.0 score 142 9.9% 6.50%
17 The Yellowstone BankBillings, MT B 58.3 score 283 3.9% —
18 Stockman Bank of MontanaMiles City, MT B 58.0 score 2,911 6.3% 6.88%
19 The Loan StoreSan Francisco, CA B 57.1 score 137 5.8% 6.38%
20 Freedom MortgageBoca Raton, FL B 56.7 score 724 8.6% 6.00%
21 Crosscountry MortgageCleveland, OH B 56.5 score 920 5.1% 6.63%
22 Churchill MortgageBrentwood, TN B 56.2 score 237 1.7% 6.13%
23 Wells Fargo BankCharlotte, NC B 54.4 score 281 15.7% 6.38%
24 Opportunity Bank of MontanaHelena, MT B 52.7 score 1,608 9.8% 6.88%
25 Independence BankHavre, MT B 52.5 score 120 9.2% —
26 Mortgage Research CenterColumbia, MO C 50.8 score 940 16.7% 6.13%
27 TrailWest BankLolo, MT C 49.0 score 253 7.5% —
28 USAA Federal Savings BankPhoenix, AZ C 48.6 score 193 26.9% 6.38%
29 Barrington Bank & Trust CompanyBarrington, IL C 47.6 score 188 5.3% 6.28%
30 LowerColumbia, MD C 47.3 score 300 8.0% 6.00%
31 Pennymac Loan ServicesWestlake Village, CA C 47.0 score 667 11.8% 6.62%
32 Horizon Federally Insured State-Chartered Credit UnionSpokane Valley, WA C 46.2 score 270 34.4% 2.99%
33 Kind LendingIrvine, CA C 45.5 score 450 21.1% 6.50%
34 Rocket MortgagePlymouth, MI C 43.7 score 1,999 17.5% 6.75%
35 Montana Federal Credit UnionGreat Falls, MT C 41.5 score 141 10.6% 6.74%
36 Synergy One LendingSan Diego, CA C 40.2 score 273 8.4% 6.50%
37 Mutual of Omaha MortgageSan Diego, CA C 39.2 score 220 17.3% 6.43%
38 Lakeview Loan ServicingCoral Gables, FL C 37.9 score 272 34.9% 6.25%
39 Nationstar MortgageCoppell, TX C 34.6 score 323 15.2% 7.99%
40 Figure LendingCharlotte, NC C 33.8 score 281 28.1% 8.53%
41 Loandepot.ComIrvine, CA D 32.9 score 406 27.3% 6.99%
42 U.S. BankCincinnati, OH D 29.4 score 1,024 27.1% 7.13%
43 American FinancingAurora, CO D 29.2 score 141 36.2% 5.99%
44 Broker SolutionsTustin, CA D 28.6 score 495 11.9% 6.75%
45 NewrezWilmington, DE D 28.2 score 481 15.0% 6.50%
46 Glacier BankKalispell, MT D 28.2 score 3,018 16.2% 7.25%
47 Calcon Mutual MortgageSan Diego, CA D 28.0 score 220 8.2% 5.99%
48 First Interstate BankBillings, MT D 27.8 score 987 22.9% 8.25%
49 Envoy MortgageHouston, TX D 26.6 score 124 1.6% 6.63%
50 Valley Financial Credit UnionBillings, MT D 26.5 score 343 21.6% 7.25%

How this list is built

Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.