Opportunity Bank of Montana: 2025 mortgage rates, costs & approvals
How Opportunity Bank of Montana priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Opportunity Bank of Montana · LEI 5493007ZF78YQRSXQG49
In 2025, Opportunity Bank of Montana originated 543 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 6 states — 699th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 6 basis points below the national median. Median conventional loan costs were $5,260, 6% lower than the national median ($5,570).
It denied 4.6% of completed home-purchase applications (all lenders: 8.5%).
How Opportunity Bank of Montana priced home-purchase loans
| Purchase loans, 2025 | Opportunity Bank of Montana | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 5.875% | 6.250% |
| 30-year fixed rate · VA | 5.875% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.07 pts | +0.13 pts |
| Total loan costs · conventional | $5,260 | $5,570 |
| Total loan costs · FHA | $8,550 | $11,310 |
| Total loan costs · VA | $7,550 | $6,490 |
| Origination charges (all types) | $2,260 | $1,860 |
| Borrowers paying discount points | 79.8% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 37.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Opportunity Bank of Montana denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Opportunity Bank of Montana lends
Counties where Opportunity Bank of Montana is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Roosevelt County, MT | 1 | 7 | 20.0% |
| Sweet Grass County, MT | 1 | 6 | 20.0% |
| Teton County, MT | 1 | 14 | 18.2% |
| Park County, MT | 1 | 37 | 17.9% |
| Valley County, MT | 1 | 10 | 16.7% |
| Meagher County, MT | 3 | 2 | 14.3% |
| Cascade County, MT | 2 | 123 | 10.3% |
| Wheatland County, MT | 6 | 1 | 7.7% |
| Judith Basin County, MT | 4 | 1 | 7.1% |
| Missoula County, MT | 4 | 87 | 7.0% |
| Ravalli County, MT | 3 | 34 | 6.6% |
| Mineral County, MT | 5 | 5 | 6.0% |
| Chouteau County, MT | 6 | 2 | 5.7% |
| Broadwater County, MT | 7 | 8 | 5.0% |
| Toole County, MT | 3 | 2 | 5.0% |
Check Opportunity Bank of Montana yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493007ZF78YQRSXQG49.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Opportunity Bank of Montana with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology