Opportunity Bank of Montana in Montana vs the state
9.8%Denial rate-4.99 pts vs state
12.0%Decision denial rate-6.67 pts vs state
70.8%Origination rate+8.85 pts vs state
6.88%Median rate+0.25 pts vs state
0.05Rate spread (pts)-0.19 pts vs state
$113kMedian applicant income
1,139Loans originated
158Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,178 | 1,547 | 7.8% | 6.88% | #3 |
| 2024 | 1,501 | 1,036 | 8.9% | 7.00% | #3 |
| 2025 | 1,608 | 1,139 | 9.8% | 6.88% | #5 |
What Opportunity Bank of Montana lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Opportunity Bank of Montana applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 270 | 210 | 22 | 8.1% |
| Yellowstone County | 243 | 170 | 21 | 8.6% |
| Missoula County | 193 | 153 | 12 | 6.2% |
| Lewis and Clark County | 180 | 122 | 20 | 11.1% |
| Gallatin County | 132 | 76 | 17 | 12.9% |
| Park County | 104 | 68 | 13 | 12.5% |
| Ravalli County | 83 | 60 | 6 | 7.2% |
| Silver Bow County | 69 | 49 | 13 | 18.8% |
| Madison County | 37 | 21 | 7 | 18.9% |
| Broadwater County | 35 | 21 | 3 | 8.6% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
| Guaranteed Rate | B | 758 | 6.3% | 6.50% |
Frequently asked questions
Montana: 1,608 applications in 2025, of which 1,139 were originated and 158 denied.
9.8% of all applications, or 12.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Opportunity Bank of Montana originated in Montana in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Opportunity Bank of Montana's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology