MFP Home Loan Lenders Community Survey gathers Montana’s homeowners feedback and lender recommendations for home loans in the state. Shopping for a new home loan mortgage can be complicated and we gathered the information below to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
Montana Best Home Loan Lenders
Billings, Missoula, Great Falls, Bozeman, Butte, Helena, Kalispell, Belgrade, Online lenders.
Montana Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase mortgage lenders across Montana by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate | Support & Guidance | Recommendation (%) |
|---|---|---|---|---|
| Credit Unions | 4.08 | 4.15 | 4.12 | 81% |
| Community Banks | 4.20 | 4.22 | 4.19 | 83% |
| Banks | 4.20 | 4.22 | 4.18 | 83% |
| Online Lenders | 4.23 | 3.83 | 3.90 | 87% |
Recommendations are gathered from 882 local Montana members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home 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 loan?
- 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 Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Billings’ area are Stockman Bank, Altana Credit Union and First Interstate Bank.
Stockman Bank (92% Recommend)
- Highest in Recommend % (92%) and Support & Guidance (4.8) among top 3
- Homeowners highlight personalized service for first-time homebuyers
Altana Credit Union (89% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.7) with competitive rates
- Users feedback praise straightforward refinancing process
First Interstate Bank (87% Recommend)
- Strong Easy Application score (4.6) and regional market expertise
- Liked for responsive communication during loan processing
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Stockman Bank | Bank | 4.5 | 4.6 | 4.8 | 92% |
| Altana Credit Union | Credit Union | 4.4 | 4.7 | 4.5 | 89% |
| First Interstate Bank | Bank | 4.6 | 4.5 | 4.4 | 87% |
| Glacier Bank | Bank | 4.3 | 4.4 | 4.3 | 85% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.2 | 4.1 | 81% |
| Bank of Montana | Bank | 4.0 | 4.1 | 4.0 | 80% |
| Whitefish Credit Union | Credit Union | 3.9 | 4.0 | 3.9 | 78% |
| Opportunity Bank of Montana | Community Bank | 3.8 | 3.9 | 3.8 | 77% |
| Peoples Bank of Deer Lodge | Community Bank | 3.7 | 3.8 | 3.7 | 75% |
| Charter Bank | Bank | 3.6 | 3.7 | 3.6 | 74% |
| Valley Credit Union | Credit Union | 3.5 | 3.6 | 3.5 | 72% |
| American Federal Bank | Bank | 3.4 | 3.5 | 3.4 | 70% |
| First Security Bank | Bank | 3.3 | 3.4 | 3.3 | 68% |
| Western Security Bank | Bank | 3.2 | 3.3 | 3.2 | 65% |
Missoula Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Missoula’s area are Stockman Bank, Clearwater Credit Union and First Interstate Bank.
Stockman Bank (94% Recommend)
- Highest Recommend % (94%) and Support & Guidance (4.8) scores among top lenders
- Users love the personalized service and local expertise of loan officers
Clearwater Credit Union (91% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.7) with competitive offerings
- Homeowners like the ethical lending practices and community-focused approach
First Interstate Bank (89% Recommend)
- Strong Easy Application score (4.6) and regional market knowledge
- Great feedback for responsive communication throughout loan process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Stockman Bank | Bank | 4.6 | 4.7 | 4.8 | 94% |
| Clearwater Credit Union | Credit Union | 4.5 | 4.7 | 4.6 | 91% |
| First Interstate Bank | Bank | 4.6 | 4.5 | 4.5 | 89% |
| TrailWest Bank | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| Opportunity Bank of Montana | Community Bank | 4.3 | 4.3 | 4.4 | 85% |
| First Security Bank | Bank | 4.2 | 4.2 | 4.3 | 83% |
| Park Side Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 81% |
| Glacier Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
| U.S. Bank | Bank | 3.9 | 3.9 | 4.0 | 78% |
| Wells Fargo | Bank | 3.8 | 3.8 | 3.9 | 76% |
| Bank of Montana | Bank | 3.7 | 3.7 | 3.8 | 74% |
| Whitefish Credit Union | Credit Union | 3.6 | 3.6 | 3.7 | 72% |
| First Montana Bank | Community Bank | 3.5 | 3.5 | 3.6 | 70% |
| Valley Credit Union | Credit Union | 3.4 | 3.4 | 3.5 | 68% |
| American Federal Bank | Bank | 3.3 | 3.3 | 3.4 | 65% |
Great Falls Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Great Falls’s area are Stockman Bank, Independence Bank, and First Interstate Bank.
Stockman Bank (94% Recommend)
- Highest Recommend % (94%) and Support & Guidance (4.8) scores among all lenders
- Users love the personalized service and local market expertise of loan officers
Independence Bank (91% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.7) with competitive offerings
- Users surveys highlight the bank’s understanding of rural homebuyer needs
First Interstate Bank (89% Recommend)
- Strong Easy Application score (4.6) and regional market knowledge
- Positive feedback for responsive communication throughout loan process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Stockman Bank | Bank | 4.6 | 4.7 | 4.8 | 94% |
| Independence Bank | Bank | 4.5 | 4.7 | 4.6 | 91% |
| First Interstate Bank | Bank | 4.6 | 4.5 | 4.5 | 89% |
| Opportunity Bank of Montana | Community Bank | 4.3 | 4.4 | 4.3 | 85% |
| Russell Country FCU | Credit Union | 4.2 | 4.3 | 4.2 | 83% |
| Glacier Bank | Bank | 4.1 | 4.2 | 4.1 | 81% |
| U.S. Bank | Bank | 4.0 | 4.1 | 4.0 | 80% |
| Wells Fargo | Bank | 3.9 | 4.0 | 3.9 | 78% |
| First Montana Bank | Community Bank | 3.8 | 3.9 | 3.8 | 76% |
| Bank of Montana | Bank | 3.7 | 3.8 | 3.7 | 74% |
Bozeman Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bozeman’s area are First Security Bank, Stockman Bank, and Opportunity Bank of Montana.
First Security Bank (95% Recommend)
- Highest Recommend % (95%) and Support & Guidance (4.9) scores among all lenders
- Users surveys highlight exceptional local market knowledge and quick turnaround times
Stockman Bank (93% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.8) with competitive rate options
- Consistent liked for personalized service and first-time homebuyer programs
Opportunity Bank of Montana (90% Recommend)
- Strong Easy Application score (4.7) and community-focused approach
- Positive feedback for transparent communication throughout loan process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Security Bank | Bank | 4.8 | 4.7 | 4.9 | 95% |
| Stockman Bank | Bank | 4.6 | 4.8 | 4.7 | 93% |
| Opportunity Bank of Montana | Community Bank | 4.7 | 4.6 | 4.6 | 90% |
| First Interstate Bank | Bank | 4.5 | 4.5 | 4.5 | 88% |
| Glacier Bank | Bank | 4.4 | 4.4 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.2 | 84% |
| Eagle Bank | Community Bank | 4.1 | 4.2 | 4.1 | 82% |
| Wells Fargo | Bank | 4.0 | 4.1 | 4.0 | 80% |
| Big Sky Western Bank | Community Bank | 3.9 | 4.0 | 3.9 | 78% |
| Valley Credit Union | Credit Union | 3.8 | 3.9 | 3.8 | 76% |
Butte Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Butte’s area are First Montana Bank, Clearwater Credit Union, and Stockman Bank.
First Montana Bank (93% Recommend)
- Highest Recommend % (93%) and Loan Terms & Rate Satisfaction (4.8) scores among all lenders
- Homeowners highlight exceptional local market knowledge and personalized service
Clearwater Credit Union (91% Recommend)
- Top-rated in Support & Guidance (4.7) with community-focused approach
- Users praise ethical lending practices and transparent communication
Stockman Bank (89% Recommend)
- Strong Easy Application score (4.6) and competitive rate options
- Positive feedback for first-time homebuyer programs and responsive service
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Montana Bank | Bank | 4.7 | 4.8 | 4.6 | 93% |
| Clearwater Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 91% |
| Stockman Bank | Bank | 4.6 | 4.5 | 4.5 | 89% |
| Opportunity Bank of Montana | Community Bank | 4.4 | 4.4 | 4.3 | 87% |
| Glacier Bank | Bank | 4.3 | 4.3 | 4.2 | 85% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.1 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.0 | 81% |
| First Interstate Bank | Bank | 4.0 | 4.0 | 3.9 | 79% |
| Valley Credit Union | Credit Union | 3.9 | 3.9 | 3.8 | 77% |
| American Federal Bank | Bank | 3.8 | 3.8 | 3.7 | 75% |
Helena Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Helena’s area are Valley Bank of Helena, First Interstate Bank, and Stockman Bank.
Valley Bank of Helena (94% Recommend)
- Highest Recommend % (94%) and Support & Guidance (4.8) scores among all lenders
- Homeowners like the exceptional local expertise and personalized mortgage solutions
First Interstate Bank (91% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.7) with competitive offerings
- Positive feedback for efficient processing and regional market knowledge
Stockman Bank (89% Recommend)
- Strong Easy Application score (4.6) and consistent customer service
- Loved for first-time homebuyer guidance and flexible qualification options
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Valley Bank of Helena | Community Bank | 4.7 | 4.7 | 4.8 | 94% |
| First Interstate Bank | Bank | 4.6 | 4.7 | 4.6 | 91% |
| Stockman Bank | Bank | 4.6 | 4.5 | 4.5 | 89% |
| Glacier Bank | Bank | 4.4 | 4.4 | 4.3 | 86% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.2 | 84% |
| Opportunity Bank of Montana | Community Bank | 4.2 | 4.2 | 4.1 | 82% |
| American Federal Bank | Bank | 4.1 | 4.1 | 4.0 | 80% |
| Wells Fargo | Bank | 4.0 | 4.0 | 3.9 | 78% |
| Park Side Credit Union | Credit Union | 3.9 | 3.9 | 3.8 | 76% |
| First Security Bank | Bank | 3.8 | 3.8 | 3.7 | 74% |
Kalispell Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Kalispell’s area are Glacier Bank, Whitefish Credit Union, and First Interstate Bank.
Glacier Bank (95% Recommend)
- Highest Recommend % (95%) and Support & Guidance (4.9) scores among all lenders
- Users highlight exceptional local market knowledge and personalized service
Whitefish Credit Union (92% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.8) with competitive offerings
- Homeowners like the transparent communication and member-focused approach
First Interstate Bank (90% Recommend)
- Strong Easy Application score (4.7) and regional expertise
- Positive feedback for responsive loan officers and efficient processing
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Glacier Bank | Bank | 4.8 | 4.7 | 4.9 | 95% |
| Whitefish Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 92% |
| First Interstate Bank | Bank | 4.7 | 4.6 | 4.6 | 90% |
| Stockman Bank | Bank | 4.6 | 4.5 | 4.5 | 88% |
| U.S. Bank | Bank | 4.4 | 4.4 | 4.3 | 85% |
| Valley Bank | Community Bank | 4.3 | 4.3 | 4.2 | 83% |
| Wells Fargo | Bank | 4.2 | 4.2 | 4.1 | 81% |
| First Security Bank | Bank | 4.1 | 4.1 | 4.0 | 79% |
Belgrade Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Belgrade’s area are Rocky Mountain Credit Union, First Security Bank, and Flanagan State Bank.
Rocky Mountain Credit Union (93% Recommend)
- Highest Recommend % (93%) and Support & Guidance (4.8) scores among all lenders
- Homeowners highlight personalized service and local loan officers who understand Montana’s housing market
First Security Bank (90% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.7) with competitive offerings
- Positive feedback for local decision-making and responsive customer service
Flanagan State Bank (88% Recommend)
- Strong Easy Application score (4.6) and family-oriented approach
- Praised for personalized banking solutions and experienced loan officers
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Rocky Mountain Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 93% |
| First Security Bank | Bank | 4.6 | 4.7 | 4.6 | 90% |
| Flanagan State Bank | Community Bank | 4.6 | 4.5 | 4.5 | 88% |
| Bank of Bozeman | Community Bank | 4.5 | 4.4 | 4.4 | 86% |
| First Interstate Bank | Bank | 4.4 | 4.3 | 4.3 | 84% |
| Stockman Bank | Bank | 4.3 | 4.2 | 4.2 | 82% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.1 | 80% |
| Wells Fargo | Bank | 4.1 | 4.0 | 4.0 | 78% |
Montana Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Montana residents are First Interstate Bank, Glacier Bank, and Rocket Mortgage.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| First Interstate Bank | $100k-$2M | 5.75% – 7.25% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 95% |
| Glacier Bank | $100k-$1.5M | 5.85% – 7.35% | 15, 20, 30 | 4.5 | 4.0 | 4.5 | 93% |
| Rocket Mortgage | $50k-$3M | 6.25% – 8.25% | 15, 20, 30 | 5.0 | 3.5 | 3.5 | 91% |
| Montana Credit Union | $50k-$750k | 5.99% – 7.50% | 10, 15, 20, 30 | 4.0 | 4.0 | 4.0 | 90% |
| Guaranteed Rate | $100k-$2M | 6.00% – 7.99% | 15, 20, 30 | 4.5 | 4.0 | 4.0 | 89% |
| New American Funding | $100k-$2M | 5.99% – 7.75% | 15, 20, 30 | 4.0 | 4.0 | 4.0 | 88% |
| CrossCountry Mortgage | $100k-$2M | 5.99% – 7.99% | 10, 15, 20, 30 | 4.5 | 4.0 | 4.0 | 87% |
| Fairway Independent Mortgage | $100k-$1.5M | 6.00% – 8.00% | 15, 20, 30 | 4.0 | 3.5 | 4.0 | 86% |
| Guild Mortgage | $100k-$1.5M | 6.25% – 8.25% | 15, 20, 30 | 4.0 | 3.5 | 4.0 | 85% |
| Caliber Home Loans | $100k-$2M | 6.25% – 8.25% | 15, 20, 30 | 4.0 | 3.5 | 3.5 | 84% |
| Movement Mortgage | $100k-$2M | 6.50% – 8.50% | 15, 20, 30 | 3.5 | 3.5 | 3.5 | 83% |
| PrimeLending | $100k-$1.5M | 6.00% – 7.99% | 15, 20, 30 | 4.0 | 4.0 | 4.0 | 82% |
| United Wholesale Mortgage | $100k-$2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 3.5 | 3.5 | 81% |
| Finance of America Mortgage | $100k-$2M | 6.50% – 8.50% | 15/20/30 | 4.0 | 3.5 | 3.5 | 80% |
| Better Mortgage | $100k-$2M | 5.75% – 7.25% | 15/20/30 | 5.0 | 4.5 | 4.0 | 92% |
