Opportunity Bank of Montana
Opportunity Bank of Montana received 1,621 applications in 2025 and made 1,148 mortgages, in 53 counties across 8 states. The median rate its borrowers got was 6.750% on a median loan of $215,000. Of 1,323 decisions, 159 were denials — 12.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007ZF78YQRSXQG49 |
|---|---|
| Applications received | 1,621 |
| Mortgages made | 1,148 |
| Denied | 159 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 298 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.0515 points |
| FDIC-insured bank | Yes: Opportunity Bank of Montana, 30 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 665 | 6.500% | $305,000 | 5.2% |
| Refinancing | 128 | 7.000% | $145,000 | 17.2% |
| Cash-out refinancing | 62 | 6.875% | $295,000 | 19.5% |
| Other purposes | 293 | 7.000% | $85,000 | 21.2% |
Where Opportunity Bank of Montana lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cascade County, MT | 210 | 6.125% | 9.4% |
| Yellowstone County, MT | 170 | 7.000% | 10.7% |
| Missoula County, MT | 153 | 6.875% | 7.1% |
| Lewis and Clark County, MT | 122 | 7.000% | 14.0% |
| Gallatin County, MT | 76 | 7.000% | 17.9% |
| Park County, MT | 68 | 6.438% | 16.1% |
| Ravalli County, MT | 60 | 6.875% | 9.0% |
| Silver Bow County, MT | 49 | 6.875% | 21.0% |
| Valley County, MT | 23 | 6.750% | 0.0% |
| Broadwater County, MT | 21 | 7.000% | 12.0% |
| Madison County, MT | 21 | 7.000% | 25.0% |
| Roosevelt County, MT | 19 | 7.000% | 9.1% |
| Sweet Grass County, MT | 19 | 7.000% | 5.0% |
| Teton County, MT | 19 | 6.625% | 17.4% |
| Jefferson County, MT | 18 | 7.000% | 18.2% |
| Carbon County, MT | 7 | Under 10 loans | 0.0% |
| Fergus County, MT | 7 | Under 10 loans | 12.5% |
| Mineral County, MT | 7 | Under 10 loans | 0.0% |
| Hill County, MT | 6 | Under 10 loans | 0.0% |
| Lake County, MT | 6 | Under 10 loans | 0.0% |
| Meagher County, MT | 6 | Under 10 loans | 0.0% |
| Musselshell County, MT | 6 | Under 10 loans | 25.0% |
| Flathead County, MT | 5 | Under 10 loans | 28.6% |
| Deer Lodge County, MT | 4 | Under 10 loans | 20.0% |
| Pondera County, MT | 4 | Under 10 loans | 20.0% |
| Powell County, MT | 4 | Under 10 loans | 20.0% |
| Sanders County, MT | 4 | Under 10 loans | 0.0% |
| Stillwater County, MT | 4 | Under 10 loans | 0.0% |
| Beaverhead County, MT | 3 | Under 10 loans | 0.0% |
| Sheridan County, MT | 3 | Under 10 loans | 50.0% |
| Toole County, MT | 3 | Under 10 loans | 0.0% |
| Chouteau County, MT | 2 | Under 10 loans | 0.0% |
| Judith Basin County, MT | 2 | Under 10 loans | 0.0% |
| Richland County, MT | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 50.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Teton County, ID | 1 | Under 10 loans | 0.0% |
| Big Horn County, MT | 1 | Under 10 loans | 0.0% |
| Glacier County, MT | 1 | Under 10 loans | 50.0% |
| Granite County, MT | 1 | Under 10 loans | 0.0% |
| Liberty County, MT | 1 | Under 10 loans | 0.0% |
| McCone County, MT | 1 | Under 10 loans | 0.0% |
| Wheatland County, MT | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 0.0% |
| Skamania County, WA | 1 | Under 10 loans | 0.0% |
| Campbell County, WY | 1 | Under 10 loans | 0.0% |
| Custer County, MT | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.