Top Mortgage Lenders in Great Falls, MT

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, we provide a data driven ranking of mortgage lenders in the Great Falls, MT area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Great Falls, MT area is Wells Fargo Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.08%. This means that Wells Fargo Bank provided a -0.08% lower interest rate for its customers than other lenders in Great Falls, MT for a similar set of borrowers. Wells Fargo Bank has a market share of 5.2%. On the other hand, the most popular lender in the market is Stockman Bank, with a market share of 22.6%. Stockman Bank is also a relatively cheap lender, with a “Rate Difference” of -0.07% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, 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 (for example, above $510,400 in 2020), 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Great Falls, MT

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.08% 5.16%
Stockman Bank 2, -0.07% 22.62%
First Interstate Bank 3, -0.05% 3.77%
Universal Lending Corporation 4, -0.03% 4.41%
Us Bank 5, -0.02% 2.67%
Flagstar Bank 6, -0.00% 7.19%
Opportunity Bank Of Montana 7, -0.00% 16.76%
Fairway Independent Mort Corp 8, 0.01% 10.90%
Montana Federal Credit Union 9, 0.04% 5.86%
Quicken Loans 10, 0.06% 6.50%
Mann Mortgage 11, 0.09% 7.19%
Usaa Federal Savings Bank 12, 0.10% 2.32%
Embark Federal Credit Union 13, 0.19% 4.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.11% 5.58%
Us Bank 2, -0.06% 1.74%
Stockman Bank 3, -0.06% 25.81%
First Interstate Bank 4, -0.05% 3.49%
Montana Federal Credit Union 5, -0.02% 2.62%
Universal Lending Corporation 6, 0.01% 3.57%
Flagstar Bank 7, 0.01% 6.80%
Opportunity Bank Of Montana 8, 0.01% 19.88%
Fairway Independent Mort Corp 9, 0.02% 14.12%
Quicken Loans 10, 0.06% 2.18%
Usaa Federal Savings Bank 11, 0.11% 3.14%
Mann Mortgage 12, 0.11% 9.15%
Embark Federal Credit Union 13, 0.24% 1.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.11% 16.29%
Universal Lending Corporation 2, -0.07% 6.07%
Opportunity Bank Of Montana 3, -0.05% 10.57%
First Interstate Bank 4, -0.05% 4.33%
Fairway Independent Mort Corp 5, -0.03% 4.51%
Flagstar Bank 6, -0.02% 7.97%
Wells Fargo Bank 7, -0.02% 4.33%
Mann Mortgage 8, -0.01% 3.29%
Usaa Federal Savings Bank 9, 0.00% 0.69%
Us Bank 10, 0.01% 4.51%
Montana Federal Credit Union 11, 0.06% 12.31%
Quicken Loans 12, 0.06% 15.08%
Embark Federal Credit Union 13, 0.17% 10.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.09% 7.64%
Stockman Bank 2, -0.07% 22.44%
First Interstate Bank 3, -0.05% 4.84%
Opportunity Bank Of Montana 4, -0.04% 16.73%
Universal Lending Corporation 5, -0.04% 4.55%
Us Bank 6, -0.02% 3.77%
Flagstar Bank 7, 0.00% 8.51%
Usaa Federal Savings Bank 8, 0.02% 0.48%
Montana Federal Credit Union 9, 0.06% 7.64%
Quicken Loans 10, 0.07% 6.87%
Mann Mortgage 11, 0.09% 4.84%
Fairway Independent Mort Corp 12, 0.13% 3.97%
Embark Federal Credit Union 13, 0.20% 7.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.12% 9.27%
Us Bank 2, -0.08% 2.53%
First Interstate Bank 3, -0.05% 5.56%
Stockman Bank 4, -0.04% 27.66%
Opportunity Bank Of Montana 5, -0.02% 20.24%
Montana Federal Credit Union 6, -0.00% 2.19%
Flagstar Bank 7, 0.02% 8.60%
Universal Lending Corporation 8, 0.02% 3.37%
Usaa Federal Savings Bank 9, 0.03% 0.84%
Quicken Loans 10, 0.08% 2.87%
Mann Mortgage 11, 0.11% 7.08%
Fairway Independent Mort Corp 12, 0.15% 6.07%
Embark Federal Credit Union 13, 0.25% 3.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.13% 15.42%
Universal Lending Corporation 2, -0.09% 6.12%
Opportunity Bank Of Montana 3, -0.07% 12.02%
First Interstate Bank 4, -0.05% 3.85%
Flagstar Bank 5, -0.03% 8.39%
Wells Fargo Bank 6, -0.02% 5.44%
Mann Mortgage 7, -0.02% 1.81%
Fairway Independent Mort Corp 8, 0.00% 1.13%
Us Bank 9, 0.01% 5.44%
Quicken Loans 10, 0.06% 12.24%
Montana Federal Credit Union 11, 0.06% 14.97%
Embark Federal Credit Union 12, 0.17% 13.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.08% 18.90%
Fairway Independent Mort Corp 2, -0.05% 26.12%
Montana Federal Credit Union 3, -0.04% 4.12%
Flagstar Bank 4, -0.03% 4.12%
Universal Lending Corporation 5, -0.03% 5.84%
First Interstate Bank 6, -0.00% 0.69%
Us Bank 7, 0.01% 0.34%
Quicken Loans 8, 0.02% 6.19%
Opportunity Bank Of Montana 9, 0.06% 18.21%
Mann Mortgage 10, 0.12% 15.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.09% 19.28%
Montana Federal Credit Union 2, -0.05% 4.42%
Fairway Independent Mort Corp 3, -0.05% 27.31%
Flagstar Bank 4, -0.04% 4.42%
Universal Lending Corporation 5, -0.03% 4.82%
First Interstate Bank 6, -0.00% 0.80%
Us Bank 7, 0.01% 0.40%
Quicken Loans 8, 0.02% 0.80%
Opportunity Bank Of Montana 9, 0.06% 20.48%
Mann Mortgage 10, 0.13% 17.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Universal Lending Corporation 1, -0.02% 11.90%
Fairway Independent Mort Corp 2, -0.02% 19.05%
Stockman Bank 3, -0.01% 16.67%
Flagstar Bank 4, -0.00% 2.38%
Montana Federal Credit Union 5, -0.00% 2.38%
Mann Mortgage 6, 0.00% 4.76%
Opportunity Bank Of Montana 7, 0.01% 4.76%
Quicken Loans 8, 0.02% 38.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 12.50%
Wells Fargo Bank 2, 0.00% 12.50%
Us Bank 3, 0.00% 50.00%
Opportunity Bank Of Montana 4, 0.01% 25.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 20.00%
Wells Fargo Bank 2, 0.00% 20.00%
Us Bank 3, 0.00% 40.00%
Opportunity Bank Of Montana 4, 0.01% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Opportunity Bank Of Montana 1, -0.00% 33.33%
Us Bank 2, 0.00% 66.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.08% 26.34%
First Interstate Bank 2, -0.03% 3.32%
Fairway Independent Mort Corp 3, -0.00% 18.16%
Flagstar Bank 4, -0.00% 6.14%
Montana Federal Credit Union 5, 0.00% 2.56%
Universal Lending Corporation 6, 0.01% 3.07%
Wells Fargo Bank 7, 0.01% 2.30%
Mann Mortgage 8, 0.02% 7.42%
Us Bank 9, 0.03% 0.51%
Opportunity Bank Of Montana 10, 0.03% 15.60%
Quicken Loans 11, 0.09% 5.63%
Usaa Federal Savings Bank 12, 0.10% 8.95%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.08% 28.00%
First Interstate Bank 2, -0.02% 1.67%
Flagstar Bank 3, 0.00% 5.33%
Montana Federal Credit Union 4, 0.00% 2.00%
Fairway Independent Mort Corp 5, 0.01% 19.33%
Wells Fargo Bank 6, 0.01% 2.67%
Universal Lending Corporation 7, 0.01% 3.00%
Us Bank 8, 0.02% 0.67%
Opportunity Bank Of Montana 9, 0.03% 18.67%
Mann Mortgage 10, 0.04% 6.67%
Quicken Loans 11, 0.07% 1.67%
Usaa Federal Savings Bank 12, 0.11% 10.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.08% 20.88%
Fairway Independent Mort Corp 2, -0.04% 14.29%
First Interstate Bank 3, -0.02% 8.79%
Mann Mortgage 4, -0.01% 9.89%
Universal Lending Corporation 5, -0.00% 3.30%
Flagstar Bank 6, 0.00% 8.79%
Montana Federal Credit Union 7, 0.01% 4.40%
Usaa Federal Savings Bank 8, 0.01% 4.40%
Wells Fargo Bank 9, 0.03% 1.10%
Opportunity Bank Of Montana 10, 0.05% 5.49%
Quicken Loans 11, 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Great Falls, MT area. For mortgage lender rankings of other cities, click here.