Which mortgage lender in the Great Falls, MT area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Great Falls, MT area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Great Falls, MT area in terms of interest rate is Wells Fargo Bank, with an average “Rate Difference” of -0.08%. This means that, comparing similar borrowers, Wells Fargo Bank provided a -0.08% lower interest rate for its customers than other lenders in the area. Wells Fargo Bank has a market share of 5.2%. On the other hand, the most popular lender in the Great Falls, MT area is Stockman Bank, with a larger market share of 22.7%. Stockman Bank is also a relatively cheap lender, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Great Falls, MT area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Great Falls, MT is Wells Fargo Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Quicken Loans. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Stockman Bank. The cheapest VA mortgage provider is also Stockman Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Great Falls, MT
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.08% | 5.17% | |
| Stockman Bank | -0.08% | 22.66% | |
| First Interstate Bank | -0.05% | 3.78% | |
| Universal Lending Corporation | -0.03% | 4.36% | |
| US Bank | -0.02% | 2.67% | |
| Opportunity Bank (Helena, MT) | -0.00% | 16.79% | |
| Flagstar Bank | -0.00% | 7.15% | |
| Fairway Independent Mortgage Corporation | 0.01% | 10.92% | |
| Montana CU | 0.04% | 5.87% | |
| Quicken Loans | 0.07% | 6.45% | |
| Mann Mortgage | 0.09% | 7.21% | |
| USAA | 0.10% | 2.32% | |
| Embark Federal Credit Union | 0.19% | 4.65% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.11% | 5.59% | |
| US Bank | -0.06% | 1.75% | |
| Stockman Bank | -0.06% | 25.85% | |
| First Interstate Bank | -0.05% | 3.49% | |
| Montana CU | -0.02% | 2.62% | |
| Universal Lending Corporation | 0.01% | 3.49% | |
| Opportunity Bank (Helena, MT) | 0.01% | 19.91% | |
| Flagstar Bank | 0.01% | 6.72% | |
| Fairway Independent Mortgage Corporation | 0.02% | 14.15% | |
| Quicken Loans | 0.06% | 2.18% | |
| USAA | 0.11% | 3.14% | |
| Mann Mortgage | 0.11% | 9.17% | |
| Embark Federal Credit Union | 0.24% | 1.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.11% | 16.32% | |
| Universal Lending Corporation | -0.07% | 6.08% | |
| Opportunity Bank (Helena, MT) | -0.05% | 10.59% | |
| First Interstate Bank | -0.05% | 4.34% | |
| Fairway Independent Mortgage Corporation | -0.03% | 4.51% | |
| Flagstar Bank | -0.02% | 7.99% | |
| Wells Fargo Bank | -0.02% | 4.34% | |
| Mann Mortgage | -0.01% | 3.30% | |
| USAA | 0.00% | 0.69% | |
| US Bank | 0.01% | 4.51% | |
| Montana CU | 0.06% | 12.33% | |
| Quicken Loans | 0.07% | 14.93% | |
| Embark Federal Credit Union | 0.17% | 10.07% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.09% | 7.66% | |
| Stockman Bank | -0.07% | 22.50% | |
| First Interstate Bank | -0.05% | 4.85% | |
| Opportunity Bank (Helena, MT) | -0.04% | 16.78% | |
| Universal Lending Corporation | -0.04% | 4.46% | |
| US Bank | -0.02% | 3.78% | |
| Flagstar Bank | 0.01% | 8.44% | |
| USAA | 0.02% | 0.48% | |
| Montana CU | 0.06% | 7.66% | |
| Quicken Loans | 0.07% | 6.79% | |
| Mann Mortgage | 0.09% | 4.85% | |
| Fairway Independent Mortgage Corporation | 0.13% | 3.98% | |
| Embark Federal Credit Union | 0.20% | 7.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.12% | 9.31% | |
| US Bank | -0.08% | 2.54% | |
| First Interstate Bank | -0.05% | 5.58% | |
| Stockman Bank | -0.04% | 27.75% | |
| Opportunity Bank (Helena, MT) | -0.02% | 20.30% | |
| Montana CU | -0.00% | 2.20% | |
| Universal Lending Corporation | 0.03% | 3.21% | |
| USAA | 0.03% | 0.85% | |
| Flagstar Bank | 0.03% | 8.46% | |
| Quicken Loans | 0.08% | 2.88% | |
| Mann Mortgage | 0.11% | 7.11% | |
| Fairway Independent Mortgage Corporation | 0.15% | 6.09% | |
| Embark Federal Credit Union | 0.25% | 3.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.14% | 15.45% | |
| Universal Lending Corporation | -0.09% | 6.14% | |
| Opportunity Bank (Helena, MT) | -0.07% | 12.05% | |
| First Interstate Bank | -0.05% | 3.86% | |
| Flagstar Bank | -0.03% | 8.41% | |
| Wells Fargo Bank | -0.02% | 5.45% | |
| Mann Mortgage | -0.02% | 1.82% | |
| Fairway Independent Mortgage Corporation | 0.00% | 1.14% | |
| US Bank | 0.01% | 5.45% | |
| Montana CU | 0.06% | 15.00% | |
| Quicken Loans | 0.07% | 12.05% | |
| Embark Federal Credit Union | 0.17% | 13.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.08% | 18.90% | |
| Fairway Independent Mortgage Corporation | -0.05% | 26.12% | |
| Montana CU | -0.04% | 4.12% | |
| Flagstar Bank | -0.03% | 4.12% | |
| Universal Lending Corporation | -0.03% | 5.84% | |
| First Interstate Bank | -0.00% | 0.69% | |
| US Bank | 0.01% | 0.34% | |
| Quicken Loans | 0.02% | 6.19% | |
| Opportunity Bank (Helena, MT) | 0.06% | 18.21% | |
| Mann Mortgage | 0.12% | 15.46% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.09% | 19.28% | |
| Montana CU | -0.05% | 4.42% | |
| Fairway Independent Mortgage Corporation | -0.05% | 27.31% | |
| Flagstar Bank | -0.04% | 4.42% | |
| Universal Lending Corporation | -0.03% | 4.82% | |
| First Interstate Bank | -0.00% | 0.80% | |
| US Bank | 0.01% | 0.40% | |
| Quicken Loans | 0.02% | 0.80% | |
| Opportunity Bank (Helena, MT) | 0.06% | 20.48% | |
| Mann Mortgage | 0.13% | 17.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Universal Lending Corporation | -0.02% | 11.90% | |
| Fairway Independent Mortgage Corporation | -0.02% | 19.05% | |
| Stockman Bank | -0.01% | 16.67% | |
| Flagstar Bank | -0.00% | 2.38% | |
| Montana CU | -0.00% | 2.38% | |
| Mann Mortgage | 0.00% | 4.76% | |
| Opportunity Bank (Helena, MT) | 0.01% | 4.76% | |
| Quicken Loans | 0.02% | 38.10% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 12.50% | |
| Wells Fargo Bank | 0.00% | 12.50% | |
| US Bank | 0.00% | 50.00% | |
| Opportunity Bank (Helena, MT) | 0.01% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 20.00% | |
| Wells Fargo Bank | 0.00% | 20.00% | |
| US Bank | 0.00% | 40.00% | |
| Opportunity Bank (Helena, MT) | 0.01% | 20.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Opportunity Bank (Helena, MT) | -0.00% | 33.33% | |
| US Bank | 0.00% | 66.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.08% | 26.34% | |
| First Interstate Bank | -0.03% | 3.32% | |
| Fairway Independent Mortgage Corporation | -0.00% | 18.16% | |
| Flagstar Bank | -0.00% | 6.14% | |
| Montana CU | 0.00% | 2.56% | |
| Universal Lending Corporation | 0.01% | 3.07% | |
| Wells Fargo Bank | 0.01% | 2.30% | |
| Mann Mortgage | 0.02% | 7.42% | |
| US Bank | 0.03% | 0.51% | |
| Opportunity Bank (Helena, MT) | 0.03% | 15.60% | |
| Quicken Loans | 0.09% | 5.63% | |
| USAA | 0.10% | 8.95% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.08% | 28.00% | |
| First Interstate Bank | -0.02% | 1.67% | |
| Flagstar Bank | 0.00% | 5.33% | |
| Montana CU | 0.00% | 2.00% | |
| Fairway Independent Mortgage Corporation | 0.01% | 19.33% | |
| Wells Fargo Bank | 0.01% | 2.67% | |
| Universal Lending Corporation | 0.01% | 3.00% | |
| US Bank | 0.02% | 0.67% | |
| Opportunity Bank (Helena, MT) | 0.03% | 18.67% | |
| Mann Mortgage | 0.04% | 6.67% | |
| Quicken Loans | 0.07% | 1.67% | |
| USAA | 0.11% | 10.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.08% | 20.88% | |
| Fairway Independent Mortgage Corporation | -0.04% | 14.29% | |
| First Interstate Bank | -0.02% | 8.79% | |
| Mann Mortgage | -0.01% | 9.89% | |
| Universal Lending Corporation | -0.00% | 3.30% | |
| Flagstar Bank | 0.00% | 8.79% | |
| Montana CU | 0.01% | 4.40% | |
| USAA | 0.01% | 4.40% | |
| Wells Fargo Bank | 0.03% | 1.10% | |
| Opportunity Bank (Helena, MT) | 0.05% | 5.49% | |
| Quicken Loans | 0.11% | 18.68% |
* Data is compiled for the Great Falls, MT commuting zone area, which comprises of counties of Cascade County, MT, Chouteau County, MT, and Teton County, MT. This includes cities/towns/communities of Great Falls, MT as well as Ulm, MT, Sun Prairie, MT, Belt, MT, Fairfield, MT, Cascade, MT, Fort Benton, MT, Choteau, MT, Dutton, MT, and Rocky Boy West, MT. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
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