# Opportunity Bank of Montana

> **Canonical URL:** https://saferate.com/lenders/opportunity-bank-of-monta


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Opportunity Bank of Montana is a bank, headquartered in Helena, MT, serving borrowers across 8 states, with 518 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007ZF78YQRSXQG49
- **Headquarters:** Helena, MT
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AZ, CO, ID, MT, ND, OR, SD, WA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.028%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,442
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 518
- **Dollar Volume:** $189 million
- **Applications Received:** 748
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $364,826
- **Average Borrower Income:** $137,293
- **Average Property Value:** $506,371

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 353 | +0.169% | $3,730 | Strong 😀 |
| FHA | 72/100 | 82 | -0.120% | $2,673 | Strong 😀 |
| VA | 74/100 | 65 | -0.707% | $2,585 | Strong 😀 |
| Jumbo | 41/100 | 11 | +0.350% | $4,250 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 317 loans, Score: 71/100 (Strong)
- Refinance: 36 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 80 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 60 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 475 | $177M | -0.008% | Strong 😀 |
| Refinance | 53/100 | 43 | $12M | +0.244% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 496 | 4.76% | 92/100 |
| WA | 14 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 136 | 59/100 |
| Great Falls, MT | MT | 127 | 91/100 |
| Missoula, MT | MT | 92 | 100/100 |
| Billings, MT | MT | 72 | 81/100 |
| Helena, MT | MT | 43 | 74/100 |
| Bozeman, MT | MT | 28 | 67/100 |

## Where This Lender Ranks

Opportunity Bank of Montana appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Montana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Great Falls, MT for FHA Loans
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Great Falls, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Great Falls, MT for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Billings, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Helena, MT for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Montana for FHA Loans
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Montana for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Great Falls, MT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Great Falls, MT for VA Loans
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Missoula, MT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Billings, MT for FHA Loans
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Helena, MT for VA Loans
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Montana for VA Loans
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Montana for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Missoula, MT
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders)
- 🥉 **#3** in Billings, MT Banks
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/banks)
- 🥉 **#3** in Helena, MT Banks
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/banks)
- 🏆 **#4** in Great Falls, MT
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders)
- 🏆 **#4** in Great Falls, MT for Conventional Loans
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Opportunity Bank of Montana offer?

Opportunity Bank of Montana offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Opportunity Bank of Montana offer mortgages?

Opportunity Bank of Montana offers mortgages in 8 states: AZ, CO, ID, MT, ND, OR, SD, WA.

### How competitive are Opportunity Bank of Montana's mortgage rates?

Opportunity Bank of Montana has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.028% above market average.

### What type of lender is Opportunity Bank of Montana?

Opportunity Bank of Montana is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Helena, MT.

### What is Opportunity Bank of Montana's loan approval success rate?

Opportunity Bank of Montana has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/opportunity-bank-of-monta

### How to Cite

> "Opportunity Bank of Montana Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/opportunity-bank-of-monta

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