Which mortgage lender in the Helena, 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 Helena, 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 Helena, MT area in terms of interest rate is First Interstate Bank, with an average “Rate Difference” of -0.07%. This means that, comparing similar borrowers, First Interstate Bank provided a -0.07% lower interest rate for its customers than other lenders in the area. First Interstate Bank has a market share of 14.7%. On the other hand, the most popular lender in the Helena, MT area is Opportunity Bank (Helena, MT), with a larger market share of 27.0%. Opportunity Bank (Helena, MT) is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.04% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Helena, 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 Helena, MT is First Interstate 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 Glacier Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is First Interstate Bank. The cheapest VA mortgage provider is also First Interstate 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 Helena, MT
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.07% | 14.74% | |
| Wells Fargo Bank | -0.06% | 9.90% | |
| Stockman Bank | -0.05% | 8.94% | |
| loanDepot | -0.02% | 2.18% | |
| USAA | -0.01% | 2.53% | |
| Glacier Bank | 0.01% | 13.72% | |
| Quicken Loans | 0.03% | 8.12% | |
| Opportunity Bank (Helena, MT) | 0.04% | 26.96% | |
| Flagstar Bank | 0.05% | 3.41% | |
| Mann Mortgage | 0.05% | 9.49% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.09% | 10.75% | |
| First Interstate Bank | -0.06% | 14.86% | |
| Stockman Bank | -0.05% | 10.12% | |
| USAA | -0.01% | 2.63% | |
| Glacier Bank | -0.01% | 14.33% | |
| loanDepot | -0.00% | 0.11% | |
| Quicken Loans | 0.04% | 2.74% | |
| Mann Mortgage | 0.04% | 9.69% | |
| Opportunity Bank (Helena, MT) | 0.05% | 31.09% | |
| Flagstar Bank | 0.06% | 3.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.10% | 14.53% | |
| Stockman Bank | -0.04% | 6.78% | |
| USAA | -0.02% | 2.33% | |
| loanDepot | -0.01% | 6.01% | |
| Opportunity Bank (Helena, MT) | -0.01% | 19.38% | |
| Wells Fargo Bank | 0.01% | 8.33% | |
| Flagstar Bank | 0.02% | 2.91% | |
| Glacier Bank | 0.04% | 12.60% | |
| Quicken Loans | 0.04% | 18.02% | |
| Mann Mortgage | 0.06% | 9.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.06% | 14.68% | |
| Wells Fargo Bank | -0.06% | 12.09% | |
| Stockman Bank | -0.05% | 9.40% | |
| loanDepot | -0.04% | 1.79% | |
| USAA | 0.00% | 0.72% | |
| Glacier Bank | 0.01% | 16.38% | |
| Opportunity Bank (Helena, MT) | 0.03% | 26.86% | |
| Quicken Loans | 0.04% | 7.52% | |
| Flagstar Bank | 0.06% | 3.40% | |
| Mann Mortgage | 0.07% | 7.16% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.09% | 12.96% | |
| Stockman Bank | -0.05% | 10.56% | |
| First Interstate Bank | -0.04% | 15.07% | |
| Glacier Bank | -0.00% | 17.04% | |
| USAA | -0.00% | 0.70% | |
| loanDepot | 0.00% | 0.14% | |
| Opportunity Bank (Helena, MT) | 0.05% | 29.86% | |
| Quicken Loans | 0.05% | 2.54% | |
| Mann Mortgage | 0.06% | 7.32% | |
| Flagstar Bank | 0.08% | 3.80% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.10% | 14.00% | |
| Stockman Bank | -0.05% | 7.37% | |
| loanDepot | -0.04% | 4.67% | |
| Opportunity Bank (Helena, MT) | -0.01% | 21.62% | |
| Flagstar Bank | 0.01% | 2.70% | |
| Wells Fargo Bank | 0.01% | 10.57% | |
| USAA | 0.01% | 0.74% | |
| Glacier Bank | 0.04% | 15.23% | |
| Quicken Loans | 0.04% | 16.22% | |
| Mann Mortgage | 0.10% | 6.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.06% | 14.16% | |
| Quicken Loans | -0.03% | 7.96% | |
| Glacier Bank | -0.01% | 3.54% | |
| Stockman Bank | -0.01% | 8.85% | |
| Mann Mortgage | -0.00% | 22.12% | |
| Wells Fargo Bank | 0.00% | 1.77% | |
| Opportunity Bank (Helena, MT) | 0.03% | 32.74% | |
| Flagstar Bank | 0.03% | 6.19% | |
| loanDepot | 0.05% | 2.65% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.07% | 16.47% | |
| Stockman Bank | -0.01% | 9.41% | |
| Glacier Bank | -0.01% | 4.71% | |
| Mann Mortgage | -0.00% | 18.82% | |
| Wells Fargo Bank | 0.00% | 2.35% | |
| Opportunity Bank (Helena, MT) | 0.03% | 41.18% | |
| Flagstar Bank | 0.03% | 7.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 32.14% | |
| Opportunity Bank (Helena, MT) | -0.00% | 7.14% | |
| Mann Mortgage | 0.00% | 32.14% | |
| First Interstate Bank | 0.00% | 7.14% | |
| Stockman Bank | 0.01% | 7.14% | |
| Flagstar Bank | 0.01% | 3.57% | |
| loanDepot | 0.05% | 10.71% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.00% | 57.14% | |
| Opportunity Bank (Helena, MT) | 0.00% | 14.29% | |
| Wells Fargo Bank | 0.00% | 28.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.00% | 60.00% | |
| Wells Fargo Bank | 0.00% | 40.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Opportunity Bank (Helena, MT) | 0.00% | 50.00% | |
| Glacier Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.13% | 15.79% | |
| Stockman Bank | -0.06% | 7.02% | |
| USAA | -0.04% | 12.72% | |
| Wells Fargo Bank | -0.01% | 2.63% | |
| Flagstar Bank | -0.00% | 2.19% | |
| loanDepot | 0.01% | 3.95% | |
| Quicken Loans | 0.02% | 11.40% | |
| Mann Mortgage | 0.02% | 14.91% | |
| Glacier Bank | 0.02% | 4.39% | |
| Opportunity Bank (Helena, MT) | 0.09% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.13% | 13.42% | |
| Stockman Bank | -0.09% | 8.72% | |
| Flagstar Bank | -0.05% | 1.34% | |
| USAA | -0.05% | 13.42% | |
| Wells Fargo Bank | -0.03% | 4.03% | |
| Quicken Loans | -0.01% | 5.37% | |
| Glacier Bank | 0.01% | 5.37% | |
| Mann Mortgage | 0.02% | 16.11% | |
| Opportunity Bank (Helena, MT) | 0.09% | 32.21% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Interstate Bank | -0.11% | 20.25% | |
| USAA | -0.02% | 11.39% | |
| Stockman Bank | -0.01% | 3.80% | |
| Opportunity Bank (Helena, MT) | 0.00% | 11.39% | |
| Mann Mortgage | 0.01% | 12.66% | |
| Glacier Bank | 0.02% | 2.53% | |
| loanDepot | 0.05% | 11.39% | |
| Flagstar Bank | 0.06% | 3.80% | |
| Quicken Loans | 0.06% | 22.78% |
* Data is compiled for the Helena, MT commuting zone area, which comprises of counties of Broadwater County, MT, Jefferson County, MT, and Lewis and Clark County, MT. This includes cities/towns/communities of Helena, MT as well as Helena Valley West Central, MT, Helena Valley Southeast, MT, Helena Valley Northwest, MT, Wheatland, MT, Montana City, MT, Helena Valley Northeast, MT, Boulder, MT, Whitehall, MT, Townsend, MT, and Lincoln, 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
This page contains information about the top mortgage lenders in the Helena, MT area. For mortgage lender rankings in other cities, click here.