Top Mortgage Lenders in the Bozeman, MT area

Which mortgage lender in the Bozeman, 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 Bozeman, 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 Bozeman, MT area is Fairway Independent Mort Corp, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that Fairway Independent Mort Corp provided a -0.09% lower interest rate for its customers than other lenders in Bozeman, MT for a similar set of borrowers. Fairway Independent Mort Corp has a market share of 7.9%. On the other hand, the most popular lender in the market is Stockman Bank, with a market share of 13.1%. Stockman Bank is an average rate lender in this area, with a “Rate Difference” of +0.01% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Bozeman, MT is Fairway Independent Mort Corp. 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 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. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.09% 7.94%
GoPrime Mortgage Inc 2, -0.08% 6.03%
First Interstate Bank 3, -0.06% 8.26%
Wells Fargo Bank 4, -0.06% 10.84%
Us Bank 5, -0.03% 3.83%
Opportunity Bank Of Montana 6, -0.01% 10.87%
Stockman Bank 7, 0.01% 13.10%
Primelending 8, 0.01% 6.13%
Glacier Bank 9, 0.02% 7.77%
Cornerstone Home Lending, Inc 10, 0.03% 9.76%
Flagstar Bank 11, 0.05% 3.28%
Paramount Residential Mortgage Group Inc 12, 0.09% 1.43%
American Pacific Mortgage Corporation 13, 0.12% 3.52%
Quicken Loans 14, 0.16% 7.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.09% 8.35%
Wells Fargo Bank 2, -0.09% 11.74%
Us Bank 3, -0.06% 3.39%
GoPrime Mortgage Inc 4, -0.06% 5.30%
First Interstate Bank 5, -0.04% 8.30%
Opportunity Bank Of Montana 6, 0.01% 12.02%
Primelending 7, 0.02% 7.22%
Stockman Bank 8, 0.03% 12.81%
Glacier Bank 9, 0.03% 8.30%
Paramount Residential Mortgage Group Inc 10, 0.04% 0.79%
Flagstar Bank 11, 0.05% 3.16%
Cornerstone Home Lending, Inc 12, 0.05% 11.63%
American Pacific Mortgage Corporation 13, 0.13% 4.01%
Quicken Loans 14, 0.13% 2.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GoPrime Mortgage Inc 1, -0.10% 7.19%
Fairway Independent Mort Corp 2, -0.09% 7.29%
First Interstate Bank 3, -0.09% 8.20%
Opportunity Bank Of Montana 4, -0.05% 9.02%
Cornerstone Home Lending, Inc 5, -0.02% 6.74%
Stockman Bank 6, -0.02% 13.57%
Glacier Bank 7, -0.01% 6.92%
Wells Fargo Bank 8, 0.01% 9.38%
Us Bank 9, 0.01% 4.55%
Primelending 10, 0.01% 4.37%
Flagstar Bank 11, 0.03% 3.46%
American Pacific Mortgage Corporation 12, 0.09% 2.73%
Paramount Residential Mortgage Group Inc 13, 0.12% 2.46%
Quicken Loans 14, 0.17% 14.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.12% 7.35%
GoPrime Mortgage Inc 2, -0.09% 6.69%
First Interstate Bank 3, -0.06% 9.18%
Us Bank 4, -0.04% 3.24%
Wells Fargo Bank 5, -0.04% 9.60%
Opportunity Bank Of Montana 6, -0.02% 11.47%
Primelending 7, 0.01% 6.27%
Stockman Bank 8, 0.01% 12.96%
Glacier Bank 9, 0.02% 8.14%
Cornerstone Home Lending, Inc 10, 0.03% 9.72%
Flagstar Bank 11, 0.05% 3.28%
Paramount Residential Mortgage Group Inc 12, 0.11% 1.29%
American Pacific Mortgage Corporation 13, 0.14% 3.49%
Quicken Loans 14, 0.18% 7.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.13% 7.80%
Us Bank 2, -0.08% 2.99%
Wells Fargo Bank 3, -0.08% 10.38%
GoPrime Mortgage Inc 4, -0.07% 5.78%
First Interstate Bank 5, -0.04% 9.33%
Opportunity Bank Of Montana 6, 0.00% 12.95%
Primelending 7, 0.01% 7.45%
Glacier Bank 8, 0.03% 8.43%
Paramount Residential Mortgage Group Inc 9, 0.04% 0.77%
Stockman Bank 10, 0.04% 12.53%
Cornerstone Home Lending, Inc 11, 0.05% 11.49%
Flagstar Bank 12, 0.06% 3.06%
Quicken Loans 13, 0.15% 3.13%
American Pacific Mortgage Corporation 14, 0.15% 3.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.12% 6.69%
GoPrime Mortgage Inc 2, -0.10% 8.03%
First Interstate Bank 3, -0.10% 8.96%
Opportunity Bank Of Montana 4, -0.06% 9.27%
Cornerstone Home Lending, Inc 5, -0.03% 7.11%
Stockman Bank 6, -0.02% 13.59%
Glacier Bank 7, -0.01% 7.72%
Us Bank 8, 0.01% 3.60%
Primelending 9, 0.01% 4.53%
Wells Fargo Bank 10, 0.03% 8.44%
Flagstar Bank 11, 0.04% 3.60%
American Pacific Mortgage Corporation 12, 0.10% 2.88%
Paramount Residential Mortgage Group Inc 13, 0.15% 2.06%
Quicken Loans 14, 0.19% 13.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.07% 15.08%
Fairway Independent Mort Corp 2, -0.02% 15.64%
Opportunity Bank Of Montana 3, -0.01% 7.82%
First Interstate Bank 4, -0.01% 3.91%
Flagstar Bank 5, -0.01% 4.47%
Us Bank 6, -0.01% 1.68%
Quicken Loans 7, 0.01% 10.61%
Wells Fargo Bank 8, 0.01% 0.56%
Primelending 9, 0.01% 4.47%
Paramount Residential Mortgage Group Inc 10, 0.02% 3.91%
GoPrime Mortgage Inc 11, 0.02% 4.47%
American Pacific Mortgage Corporation 12, 0.03% 4.47%
Glacier Bank 13, 0.04% 8.94%
Cornerstone Home Lending, Inc 14, 0.06% 13.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.09% 15.17%
Fairway Independent Mort Corp 2, -0.03% 15.86%
Opportunity Bank Of Montana 3, -0.01% 7.59%
First Interstate Bank 4, -0.01% 4.14%
Flagstar Bank 5, -0.01% 4.83%
Us Bank 6, -0.00% 2.07%
Wells Fargo Bank 7, 0.01% 0.69%
Primelending 8, 0.01% 5.52%
Quicken Loans 9, 0.02% 3.45%
GoPrime Mortgage Inc 10, 0.02% 5.52%
Paramount Residential Mortgage Group Inc 11, 0.03% 1.38%
American Pacific Mortgage Corporation 12, 0.03% 5.52%
Glacier Bank 13, 0.04% 11.03%
Cornerstone Home Lending, Inc 14, 0.06% 17.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Interstate Bank 1, -0.01% 2.94%
Opportunity Bank Of Montana 2, -0.01% 8.82%
Flagstar Bank 3, -0.01% 2.94%
Fairway Independent Mort Corp 4, -0.01% 14.71%
Stockman Bank 5, -0.01% 14.71%
Quicken Loans 6, 0.00% 41.18%
Paramount Residential Mortgage Group Inc 7, 0.02% 14.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.09% 44.05%
Us Bank 2, 0.03% 16.67%
Primelending 3, 0.05% 4.17%
Fairway Independent Mort Corp 4, 0.06% 3.57%
First Interstate Bank 5, 0.06% 1.19%
Quicken Loans 6, 0.06% 1.19%
Paramount Residential Mortgage Group Inc 7, 0.07% 0.60%
Flagstar Bank 8, 0.07% 0.60%
GoPrime Mortgage Inc 9, 0.07% 1.79%
American Pacific Mortgage Corporation 10, 0.08% 1.79%
Glacier Bank 11, 0.10% 4.17%
Cornerstone Home Lending, Inc 12, 0.11% 6.55%
Opportunity Bank Of Montana 13, 0.11% 8.33%
Stockman Bank 14, 0.11% 5.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.10% 46.49%
Us Bank 2, 0.01% 11.40%
Fairway Independent Mort Corp 3, 0.06% 2.63%
Primelending 4, 0.06% 2.63%
Quicken Loans 5, 0.07% 0.88%
First Interstate Bank 6, 0.07% 0.88%
Paramount Residential Mortgage Group Inc 7, 0.08% 0.88%
Flagstar Bank 8, 0.08% 0.88%
GoPrime Mortgage Inc 9, 0.09% 1.75%
American Pacific Mortgage Corporation 10, 0.10% 1.75%
Glacier Bank 11, 0.12% 5.26%
Stockman Bank 12, 0.12% 7.89%
Cornerstone Home Lending, Inc 13, 0.12% 8.77%
Opportunity Bank Of Montana 14, 0.14% 7.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.07% 38.89%
American Pacific Mortgage Corporation 2, 0.03% 1.85%
Primelending 3, 0.03% 7.41%
First Interstate Bank 4, 0.04% 1.85%
Cornerstone Home Lending, Inc 5, 0.04% 1.85%
Us Bank 6, 0.04% 27.78%
GoPrime Mortgage Inc 7, 0.04% 1.85%
Opportunity Bank Of Montana 8, 0.05% 9.26%
Quicken Loans 9, 0.05% 1.85%
Fairway Independent Mort Corp 10, 0.05% 5.56%
Glacier Bank 11, 0.06% 1.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 4.31%
First Interstate Bank 2, -0.03% 6.03%
Stockman Bank 3, -0.02% 24.14%
Glacier Bank 4, -0.00% 3.45%
Us Bank 5, 0.00% 0.86%
Paramount Residential Mortgage Group Inc 6, 0.00% 1.72%
Flagstar Bank 7, 0.00% 5.17%
Fairway Independent Mort Corp 8, 0.01% 14.66%
Quicken Loans 9, 0.01% 9.48%
Primelending 10, 0.01% 8.62%
GoPrime Mortgage Inc 11, 0.02% 0.86%
Cornerstone Home Lending, Inc 12, 0.02% 8.62%
American Pacific Mortgage Corporation 13, 0.03% 5.17%
Opportunity Bank Of Montana 14, 0.03% 6.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 6.49%
First Interstate Bank 2, -0.04% 7.79%
Glacier Bank 3, -0.01% 5.19%
Us Bank 4, -0.01% 1.30%
Stockman Bank 5, -0.00% 20.78%
Flagstar Bank 6, -0.00% 5.19%
Primelending 7, 0.00% 12.99%
GoPrime Mortgage Inc 8, 0.01% 1.30%
Quicken Loans 9, 0.01% 2.60%
Cornerstone Home Lending, Inc 10, 0.01% 7.79%
Fairway Independent Mort Corp 11, 0.02% 12.99%
American Pacific Mortgage Corporation 12, 0.02% 6.49%
Opportunity Bank Of Montana 13, 0.03% 9.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockman Bank 1, -0.04% 30.77%
Fairway Independent Mort Corp 2, -0.01% 17.95%
First Interstate Bank 3, 0.01% 2.56%
Flagstar Bank 4, 0.01% 5.13%
Opportunity Bank Of Montana 5, 0.02% 2.56%
Paramount Residential Mortgage Group Inc 6, 0.02% 5.13%
American Pacific Mortgage Corporation 7, 0.03% 2.56%
Quicken Loans 8, 0.03% 23.08%
Cornerstone Home Lending, Inc 9, 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 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.

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