Lenders › Opportunity Bank of Montana › Montana
Opportunity Bank of Montana in Montana
HMDA record for properties in Montana, calendar year 2024. National record · Montana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Montana, Opportunity Bank of Montana reported 1,501 applications and 1,036 originations for 2024, $270m in all.
Its denial rate in the state was 11.2%, below the Montana rate of 20.9% across all lenders and compared with the lender's national rate of 11.1%.
The median rate spread on its Montana originations was 0.1 percentage points (state median 0.3).
Applications in the state were down 31% on 2023.
Compared with the state and the lender's national record
| Measure | In Montana | Montana, all lenders | Opportunity Bank of Montana, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.2% | 20.9% | 11.1% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.3% | 13.8% | 4.3% | 15.6% |
| Average originated loan | $261k | $348k | $265k | $329k |
| Home purchase share | 60.0% | 54.8% | 60.8% | 57.0% |
| FHA-insured share | 9.2% | 10.4% | 9.2% | 13.4% |
| VA-guaranteed share | 6.5% | 11.1% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMontana, all lenders
Loan purpose and loan type in Montana
By purpose
Home purchase 60% (622)Home improvement 18% (187)Refinancing 9% (92)Cash-out refinancing 3% (33)Other purpose 10% (102)
By type
Conventional 84% (867)FHA 9% (95)VA 6% (67)USDA 1% (7)
Denial reasons as coded
Share of 133 denials in Montana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Montana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cascade County | 289 | 210 | $51m | 7.0% |
| Yellowstone County | 210 | 150 | $32m | 10.9% |
| Missoula County | 189 | 144 | $50m | 7.6% |
| Lewis and Clark County | 162 | 110 | $25m | 13.2% |
| Gallatin County | 129 | 86 | $26m | 11.2% |
| Park County | 88 | 56 | $20m | 8.2% |
| Silver Bow County | 67 | 44 | $7.2m | 8.3% |
| Ravalli County | 58 | 42 | $16m | 17.6% |
| Madison County | 36 | 25 | $5.2m | 10.3% |
| Teton County | 32 | 24 | $4.6m | 7.7% |
| Jefferson County | 34 | 22 | $3.6m | 21.4% |
| Broadwater County | 26 | 17 | $2.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Opportunity Bank of Montana originate in Montana in 2024?
1,036 loans totalling $270m, from 1,501 applications reported for properties in Montana.
What is Opportunity Bank of Montana's denial rate in Montana?
11.2% of decided applications in Montana were denied, against 20.9% for all lenders in the state and 11.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Montana counties does Opportunity Bank of Montana lend in most?
By originations: Cascade County (210), Yellowstone County (150), Missoula County (144), Lewis and Clark County (110), Gallatin County (86).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Montana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.