Lender in Montana · HMDA 2025
Opportunity Bank of Montana mortgages in Montana
Opportunity Bank of Montana's 2025 home-purchase and refinance lending in Montana, compared with all lenders in the state.
Opportunity Bank of Montana originated 537 owner-occupied single-family loans in Montana from 583 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $5,260 versus $6,560 for all Montana lenders, at a median 30-year fixed rate of 6.625% (Montana: 6.625%).
Loans in MT
537
of 583 applications
Denial rate
4.7%
Purchase · MT 7.7%
Rate spread
+0.07 pts
Conv. · MT +0.15 pts
Loan amount
$345,000
Purchase · MT $365,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 473 | 450 | 4.7% | 6.625% | +0.07 pts | $5,260 | $345,000 |
| Refinance | 47 | 38 | 14.9% | 6.125% | −0.00 pts | $5,440 | $295,000 |
| Cash-out refinance | 63 | 49 | 22.2% | 6.875% | +0.28 pts | $6,160 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Montana counties where Opportunity Bank of Montana ranks in the top 25
Showing the 30 counties where it ranks highest, of 32.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Park County | 1 | 37 | 17.9% |
| Teton County | 1 | 14 | 18.2% |
| Valley County | 1 | 10 | 16.7% |
| Roosevelt County | 1 | 7 | 20.0% |
| Sweet Grass County | 1 | 6 | 20.0% |
| Cascade County | 2 | 123 | 10.3% |
| Ravalli County | 3 | 34 | 6.6% |
| Meagher County | 3 | 2 | 14.3% |
| Toole County | 3 | 2 | 5.0% |
| Missoula County | 4 | 87 | 7.0% |
| Judith Basin County | 4 | 1 | 7.1% |
| Mineral County | 5 | 5 | 6.0% |
| Musselshell County | 5 | 2 | 4.3% |
| Lewis and Clark County | 6 | 49 | 4.7% |
| Silver Bow County | 6 | 20 | 4.2% |
| Fergus County | 6 | 5 | 4.6% |
| Chouteau County | 6 | 2 | 5.7% |
| Powell County | 6 | 2 | 3.9% |
| Wheatland County | 6 | 1 | 7.7% |
| Broadwater County | 7 | 8 | 5.0% |
| Madison County | 7 | 4 | 3.0% |
| Deer Lodge County | 8 | 3 | 2.3% |
| Hill County | 9 | 4 | 2.6% |
| Sheridan County | 9 | 1 | 3.5% |
| Yellowstone County | 11 | 68 | 2.7% |
| Jefferson County | 11 | 4 | 2.2% |
| Pondera County | 11 | 1 | 2.1% |
| Big Horn County | 12 | 1 | 2.4% |
| Gallatin County | 13 | 25 | 1.7% |
| Carbon County | 16 | 2 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology