Missoula, Great Falls, Bozeman, The Flathead
Informed mortgage lending for Montana.
Bison Mortgage is an independent mortgage bank. We underwrite and fund more than 90 percent of our volume ourselves, and we answer for the outcome on every loan we touch. Licensed in Montana. NMLS 2257632.
Opens our secure application. About 12 minutes.
Missoula office. A person answers, not a call center.
What we are
Not a broker shop.
We are the lender on the vast majority of what we close. The money, the underwriting and the decision sit under one roof. For the scenarios our correspondent channel doesn't cover, a HELOC or certain non-QM, we place it with an investor and we tell you that up front. Either way a person in Montana owns your file from application to keys.
We fund the vast majority
More than 90 percent of our annual volume runs through our correspondent channel, underwritten and funded by Bison.
We underwrite the vast majority
Our correspondent channel includes conventional government and many non-QM products. Outside that box, we say so up front.
We answer for it
Every Montana name we publish is a licensed originator with a title, a verifiable NMLS number and a real way to reach them. Check the number on NMLS Consumer Access before you call us.
Bison Mortgage by the numbers
- Licensed reach
- 22 states licensed
Loan programs
The whole shelf, one roof.
The standard Montana purchase and refinance loan, up to the county limit.
Above the county limit, where appraisal strategy decides the deal.
More forgiving on credit history, and the most reachable path to a first purchase.
The benefit eligible veterans earned, with no monthly mortgage insurance and paperwork we do not fumble.
The eligible area reaches far closer to town than most buyers assume. Send us the address and we will check it.
Below-market state bond rates and buyer assistance for households under the county limits.
A full suite of bank statement, asset depletion, DSCR, 1099 and ranch-income paths across our correspondent and investor outlets.
Two Montana specialties get their own pages: construction-to-permanent loans and land and acreage financing.
The hard deal
Bring us the hard deal.
Montana breaks templates. A house on forty acres with a shared well. A build that has to close before the ground freezes. We read the whole file, then tell you the truth about it either way.
Acreage, wells and shared access
Outbuildings, easements, septic, and parcels that do not fit a suburban appraisal grid.
Construction to permanent
One close, priced against a real Montana build calendar and a short season.
Self-employed and ranch income
Multiple entities, K-1s, depreciation, seasonal revenue, and land in the mix.
Log homes and no-comp properties
Barndominiums, off-grid builds, and houses with nothing comparable within twenty miles.
Tell us what is hard about it. No credit pull, no application.
The math
The math before the paperwork.
$525,000
10%
6.500%
Estimated monthly payment
$3,705
$2,987 principal and interest, $333 property taxes, $150 insurance, and about $236 estimated mortgage insurance.
Assumes a 30-year fixed term, insurance at $1,800 a year, and an effective property tax of 0.76% of price. That last one is a statewide stand-in, not your bill, because Montana taxes run through a class rate and your county mill levy.
Estimates only, for education. Not a quote, not a commitment to lend, and not an offer of credit. Your actual payment depends on your credit, the property and the program.
Payment, affordability, refinance break-even and extra payment payoff. All ungated.
Montana
Know your block.
- $527,848
- Median sale price, statewide
- 85 days
- Median days on market
- $832,750
- 2026 conforming loan limit
Up 5.8% year over year. Redfin, June 2026.
Redfin, June 2026.
FHFA, 2026.
Montana Housing Regular Bond
Below-market first mortgage rates for eligible first-time buyers. Current rates are published by Montana Housing.
See today's Montana Housing ratesRates and program terms change constantly. These are the numbers as of the dates shown, not a quote and not a lock. Call for today’s, or see the full Montana market and Montana Housing program tables.
Montana markets we cover
Montana agents: 24-hour scenario answers, pre-approvals that survive underwriting, and co-branded county market notes.
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