Which mortgage lender in the Bozeman, 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 Bozeman, 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 Bozeman, MT area in terms of interest rate is Fairway Independent Mortgage Corporation, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Fairway Independent Mortgage Corporation provided a -0.09% lower interest rate for its customers than other lenders in the area. Fairway Independent Mortgage Corporation has a market share of 8.0%. On the other hand, the most popular lender in the Bozeman, MT area is Stockman Bank, with a larger market share of 13.1%. Stockman Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.01% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Bozeman, 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 Bozeman, MT is Fairway Independent Mortgage Corporation. 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 Wells Fargo Bank. 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 Wells Fargo 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 Bozeman, MT
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.09% | 7.99% | |
| GoPrime Mortgage Inc | -0.08% | 6.07% | |
| First Interstate Bank | -0.06% | 8.31% | |
| Wells Fargo Bank | -0.06% | 10.90% | |
| US Bank | -0.03% | 3.82% | |
| Opportunity Bank (Helena, MT) | -0.01% | 10.80% | |
| Stockman Bank | 0.01% | 13.11% | |
| PrimeLending | 0.01% | 6.17% | |
| Glacier Bank | 0.02% | 7.82% | |
| Cornerstone Home Lending | 0.03% | 9.78% | |
| Flagstar Bank | 0.05% | 3.30% | |
| PRMG Mortgage | 0.09% | 1.44% | |
| American Pacific Mortgage | 0.12% | 3.51% | |
| Quicken Loans | 0.16% | 6.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.09% | 8.39% | |
| Wells Fargo Bank | -0.09% | 11.79% | |
| US Bank | -0.06% | 3.40% | |
| GoPrime Mortgage Inc | -0.06% | 5.33% | |
| First Interstate Bank | -0.04% | 8.33% | |
| Opportunity Bank (Helena, MT) | 0.01% | 11.96% | |
| PrimeLending | 0.02% | 7.26% | |
| Stockman Bank | 0.03% | 12.76% | |
| Glacier Bank | 0.04% | 8.33% | |
| PRMG Mortgage | 0.04% | 0.79% | |
| Flagstar Bank | 0.05% | 3.17% | |
| Cornerstone Home Lending | 0.05% | 11.62% | |
| American Pacific Mortgage | 0.13% | 4.02% | |
| Quicken Loans | 0.13% | 2.83% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| GoPrime Mortgage Inc | -0.10% | 7.26% | |
| Fairway Independent Mortgage Corporation | -0.09% | 7.35% | |
| First Interstate Bank | -0.09% | 8.27% | |
| Opportunity Bank (Helena, MT) | -0.05% | 8.92% | |
| Stockman Bank | -0.02% | 13.69% | |
| Cornerstone Home Lending | -0.02% | 6.80% | |
| Glacier Bank | -0.01% | 6.99% | |
| Wells Fargo Bank | 0.01% | 9.47% | |
| US Bank | 0.01% | 4.50% | |
| PrimeLending | 0.01% | 4.41% | |
| Flagstar Bank | 0.03% | 3.49% | |
| American Pacific Mortgage | 0.10% | 2.67% | |
| PRMG Mortgage | 0.12% | 2.48% | |
| Quicken Loans | 0.17% | 13.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.12% | 7.40% | |
| GoPrime Mortgage Inc | -0.09% | 6.73% | |
| First Interstate Bank | -0.06% | 9.24% | |
| US Bank | -0.04% | 3.26% | |
| Wells Fargo Bank | -0.04% | 9.66% | |
| Opportunity Bank (Helena, MT) | -0.02% | 11.41% | |
| PrimeLending | 0.01% | 6.31% | |
| Stockman Bank | 0.01% | 12.96% | |
| Glacier Bank | 0.02% | 8.19% | |
| Cornerstone Home Lending | 0.03% | 9.74% | |
| Flagstar Bank | 0.05% | 3.30% | |
| PRMG Mortgage | 0.11% | 1.30% | |
| American Pacific Mortgage | 0.14% | 3.51% | |
| Quicken Loans | 0.19% | 6.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.12% | 7.84% | |
| US Bank | -0.08% | 3.01% | |
| Wells Fargo Bank | -0.08% | 10.43% | |
| GoPrime Mortgage Inc | -0.07% | 5.81% | |
| First Interstate Bank | -0.04% | 9.38% | |
| Opportunity Bank (Helena, MT) | 0.00% | 12.95% | |
| PrimeLending | 0.01% | 7.49% | |
| Glacier Bank | 0.03% | 8.47% | |
| PRMG Mortgage | 0.04% | 0.77% | |
| Stockman Bank | 0.04% | 12.46% | |
| Cornerstone Home Lending | 0.05% | 11.48% | |
| Flagstar Bank | 0.06% | 3.08% | |
| Quicken Loans | 0.15% | 2.94% | |
| American Pacific Mortgage | 0.15% | 3.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.11% | 6.75% | |
| GoPrime Mortgage Inc | -0.10% | 8.10% | |
| First Interstate Bank | -0.10% | 9.03% | |
| Opportunity Bank (Helena, MT) | -0.06% | 9.14% | |
| Cornerstone Home Lending | -0.03% | 7.17% | |
| Stockman Bank | -0.03% | 13.71% | |
| Glacier Bank | -0.01% | 7.79% | |
| US Bank | 0.01% | 3.63% | |
| PrimeLending | 0.01% | 4.57% | |
| Wells Fargo Bank | 0.03% | 8.52% | |
| Flagstar Bank | 0.03% | 3.63% | |
| American Pacific Mortgage | 0.10% | 2.91% | |
| PRMG Mortgage | 0.15% | 2.08% | |
| Quicken Loans | 0.20% | 12.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.07% | 15.08% | |
| Fairway Independent Mortgage Corporation | -0.02% | 15.64% | |
| Opportunity Bank (Helena, MT) | -0.01% | 7.82% | |
| First Interstate Bank | -0.01% | 3.91% | |
| Flagstar Bank | -0.01% | 4.47% | |
| US Bank | -0.01% | 1.68% | |
| Quicken Loans | 0.01% | 10.61% | |
| Wells Fargo Bank | 0.01% | 0.56% | |
| PrimeLending | 0.01% | 4.47% | |
| PRMG Mortgage | 0.02% | 3.91% | |
| GoPrime Mortgage Inc | 0.02% | 4.47% | |
| American Pacific Mortgage | 0.03% | 4.47% | |
| Glacier Bank | 0.04% | 8.94% | |
| Cornerstone Home Lending | 0.06% | 13.97% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.09% | 15.17% | |
| Fairway Independent Mortgage Corporation | -0.03% | 15.86% | |
| Opportunity Bank (Helena, MT) | -0.01% | 7.59% | |
| First Interstate Bank | -0.01% | 4.14% | |
| Flagstar Bank | -0.01% | 4.83% | |
| US Bank | -0.00% | 2.07% | |
| Wells Fargo Bank | 0.01% | 0.69% | |
| PrimeLending | 0.01% | 5.52% | |
| Quicken Loans | 0.02% | 3.45% | |
| GoPrime Mortgage Inc | 0.02% | 5.52% | |
| PRMG Mortgage | 0.03% | 1.38% | |
| American Pacific Mortgage | 0.03% | 5.52% | |
| Glacier Bank | 0.04% | 11.03% | |
| Cornerstone Home Lending | 0.06% | 17.24% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.01% | 2.94% | |
| Opportunity Bank (Helena, MT) | -0.01% | 8.82% | |
| Flagstar Bank | -0.01% | 2.94% | |
| Fairway Independent Mortgage Corporation | -0.01% | 14.71% | |
| Stockman Bank | -0.01% | 14.71% | |
| Quicken Loans | 0.00% | 41.18% | |
| PRMG Mortgage | 0.02% | 14.71% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.09% | 44.85% | |
| US Bank | 0.03% | 16.36% | |
| PrimeLending | 0.05% | 4.24% | |
| Fairway Independent Mortgage Corporation | 0.06% | 3.64% | |
| First Interstate Bank | 0.06% | 1.21% | |
| Quicken Loans | 0.06% | 1.21% | |
| PRMG Mortgage | 0.07% | 0.61% | |
| Flagstar Bank | 0.07% | 0.61% | |
| GoPrime Mortgage Inc | 0.08% | 1.82% | |
| American Pacific Mortgage | 0.10% | 1.21% | |
| Opportunity Bank (Helena, MT) | 0.10% | 7.88% | |
| Glacier Bank | 0.10% | 4.24% | |
| Cornerstone Home Lending | 0.11% | 6.67% | |
| Stockman Bank | 0.11% | 5.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.10% | 46.90% | |
| US Bank | 0.01% | 11.50% | |
| Fairway Independent Mortgage Corporation | 0.06% | 2.65% | |
| PrimeLending | 0.06% | 2.65% | |
| Quicken Loans | 0.07% | 0.88% | |
| First Interstate Bank | 0.07% | 0.88% | |
| PRMG Mortgage | 0.08% | 0.88% | |
| Flagstar Bank | 0.08% | 0.88% | |
| GoPrime Mortgage Inc | 0.09% | 1.77% | |
| American Pacific Mortgage | 0.10% | 1.77% | |
| Glacier Bank | 0.12% | 5.31% | |
| Stockman Bank | 0.12% | 7.96% | |
| Cornerstone Home Lending | 0.12% | 8.85% | |
| Opportunity Bank (Helena, MT) | 0.13% | 7.08% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.07% | 40.38% | |
| PrimeLending | 0.03% | 7.69% | |
| First Interstate Bank | 0.04% | 1.92% | |
| Cornerstone Home Lending | 0.04% | 1.92% | |
| US Bank | 0.04% | 26.92% | |
| GoPrime Mortgage Inc | 0.04% | 1.92% | |
| Opportunity Bank (Helena, MT) | 0.05% | 9.62% | |
| Quicken Loans | 0.05% | 1.92% | |
| Fairway Independent Mortgage Corporation | 0.05% | 5.77% | |
| Glacier Bank | 0.07% | 1.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 4.31% | |
| First Interstate Bank | -0.03% | 6.03% | |
| Stockman Bank | -0.02% | 24.14% | |
| Glacier Bank | -0.00% | 3.45% | |
| US Bank | 0.00% | 0.86% | |
| Flagstar Bank | 0.00% | 5.17% | |
| PRMG Mortgage | 0.01% | 1.72% | |
| Fairway Independent Mortgage Corporation | 0.01% | 14.66% | |
| Quicken Loans | 0.01% | 9.48% | |
| PrimeLending | 0.01% | 8.62% | |
| GoPrime Mortgage Inc | 0.02% | 0.86% | |
| Cornerstone Home Lending | 0.02% | 8.62% | |
| American Pacific Mortgage | 0.03% | 5.17% | |
| Opportunity Bank (Helena, MT) | 0.03% | 6.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 6.49% | |
| First Interstate Bank | -0.04% | 7.79% | |
| Glacier Bank | -0.01% | 5.19% | |
| US Bank | -0.01% | 1.30% | |
| Stockman Bank | -0.00% | 20.78% | |
| Flagstar Bank | -0.00% | 5.19% | |
| PrimeLending | 0.00% | 12.99% | |
| GoPrime Mortgage Inc | 0.01% | 1.30% | |
| Quicken Loans | 0.01% | 2.60% | |
| Cornerstone Home Lending | 0.01% | 7.79% | |
| Fairway Independent Mortgage Corporation | 0.02% | 12.99% | |
| American Pacific Mortgage | 0.02% | 6.49% | |
| Opportunity Bank (Helena, MT) | 0.03% | 9.09% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stockman Bank | -0.04% | 30.77% | |
| Fairway Independent Mortgage Corporation | -0.01% | 17.95% | |
| First Interstate Bank | 0.01% | 2.56% | |
| Flagstar Bank | 0.01% | 5.13% | |
| Opportunity Bank (Helena, MT) | 0.02% | 2.56% | |
| PRMG Mortgage | 0.02% | 5.13% | |
| American Pacific Mortgage | 0.03% | 2.56% | |
| Quicken Loans | 0.03% | 23.08% | |
| Cornerstone Home Lending | 0.03% | 10.26% |
* Data is compiled for the Bozeman, MT commuting zone area, which comprises of counties of Gallatin County, MT, Madison County, MT, Park County, MT, and Sweet Grass County, MT. This includes cities/towns/communities of Bozeman, MT as well as Four Corners, MT, Belgrade, MT, Ennis, MT, Livingston, MT, Big Sky, MT, Pray, MT, Manhattan, MT, Three Forks, MT, Springhill, MT, Big Timber, MT, Twin Bridges, MT, Gardiner, MT, Sheridan, MT, West Yellowstone, MT, and Clyde Park, 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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