The Lenders Community Survey gathers homeowners feedback and 89 lender recommendations for Montana homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 29, 2025
<< Human Powered Recommendations >>
Montana Top Lenders for Home Refinance Loans
Billings, Missoula, Great Falls, Bozeman, Butte, Helena, Kalispell, Belgrade, Online lenders.
Recommendations are gathered from 882 local Montana members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Montana Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Montana Homeowners Resources.
Billings Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Billings’s area are First Interstate Bank, Altana Federal Credit Union and Glacier Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Interstate Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Altana Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Glacier Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Stockman Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Valley Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
| Opportunity Bank of Montana | Community Bank | 4.0 | 3.5 | 4.0 | 82% |
| American Federal Bank | Bank | 3.5 | 4.0 | 3.5 | 81% |
| Billings Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 80% |
| First Citizens Bank | Bank | 3.5 | 3.5 | 3.5 | 79% |
| Midwest Bank | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| Western Security Bank | Community Bank | 3.5 | 3.5 | 3.5 | 77% |
| Bank of Billings | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
| Charter Federal Credit Union | Credit Union | 3.5 | 3.0 | 3.5 | 75% |
Missoula Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Missoula’s area are Glacier Bank, Park Side Credit Union, and First Interstate Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Glacier Bank | Community Bank | 4.5 | 4.5 | 4.5 | 91% |
| Park Side Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| First Interstate Bank | Bank | 4.0 | 4.5 | 4.5 | 89% |
| Missoula Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 87% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Stockman Bank | Community Bank | 4.0 | 3.5 | 4.0 | 83% |
| Opportunity Bank of Montana | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
| Valley Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 80% |
| First Security Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
Great Falls Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Great Falls’s area are Glacier Bank, Great Falls Federal Credit Union and First Interstate Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Glacier Bank | Community Bank | 4.5 | 4.5 | 4.5 | 92% |
| Great Falls Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| First Interstate Bank | Bank | 4.0 | 4.5 | 4.5 | 89% |
| Stockman Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Opportunity Bank of Montana | Community Bank | 4.0 | 3.5 | 4.0 | 83% |
| Eagle Bank | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
| American Federal Bank | Bank | 3.5 | 3.5 | 3.5 | 79% |
| First Security Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
Bozeman Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bozeman’s area are First Security Bank, Bozeman Federal Credit Union and Glacier Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Security Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bozeman Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Glacier Bank | Community Bank | 4.5 | 4.5 | 4.5 | 91% |
| First Interstate Bank | Bank | 4.0 | 4.5 | 4.5 | 89% |
| Stockman Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Opportunity Bank of Montana | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Valley Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 82% |
| American Federal Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Butte Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Butte’s area are Glacier Bank, Butte Federal Credit Union and Opportunity Bank of Montana.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Glacier Bank | Community Bank | 4.5 | 4.5 | 4.5 | 92% |
| Butte Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Opportunity Bank of Montana | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| First Interstate Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| Stockman Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Valley Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 82% |
| First Citizens Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| American Federal Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
Helena Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Helena’s area are Valley Bank of Helena, Helena Community Credit Union and First Interstate Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Valley Bank of Helena | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Helena Community Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| First Interstate Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Glacier Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Stockman Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Opportunity Bank of Montana | Community Bank | 4.0 | 3.5 | 4.0 | 83% |
| American Federal Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| First Security Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
Kalispell Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Kalispell’s area are Glacier Bank, Whitefish Credit Union and First Interstate Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Glacier Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Whitefish Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| First Interstate Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| Park Side Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 86% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 85% |
| First Security Bank | Bank | 3.5 | 3.5 | 3.5 | 82% |
Belgrade Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Belgrade’s area are First Security Bank, Bozeman Federal Credit Union and Glacier Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Security Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bozeman Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Glacier Bank | Community Bank | 4.5 | 4.5 | 4.5 | 91% |
| Stockman Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| First Interstate Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| Opportunity Bank of Montana | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
Best Montana Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Montana are First Interstate Bank Online, Glacier Bank Digital and Stockman Bank Online.
| Lenders | Loan Amounts | APR Range (MT) | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| First Interstate Bank Online | $50k-$2M | 3.25%-5.75% | 10-30 years | 4.5 | 4.5 | 4.5 | 92% |
| Glacier Bank Digital | $50k-$1.5M | 3.5%-5.9% | 15-30 years | 4.0 | 4.5 | 4.5 | 90% |
| Stockman Bank Online | $50k-$1M | 3.75%-6.0% | 15-30 years | 4.0 | 4.0 | 4.0 | 88% |
| Altana Federal Credit Union Online | $50k-$750k | 3.0%-5.5% | 10-30 years | 4.0 | 4.5 | 4.0 | 87% |
| U.S. Bank Montana Online | $50k-$2M | 4.25%-6.75% | 15-30 years | 3.5 | 4.0 | 4.0 | 85% |
| Wells Fargo Montana Online | $50k-$2M | 4.5%-7.0% | 15-30 years | 3.5 | 3.5 | 3.5 | 82% |
| Billings Federal Credit Union Online | $50k-$500k | 3.5%-5.75% | 15-30 years | 3.5 | 4.0 | 3.5 | 80% |
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