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Opportunity Bank of Montana

Bank•Helena, MTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Opportunity Bank of Montana — 518 loans across 748 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 5 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Opportunity Bank of Montana performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+2.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume353
Mix68.1%
Spread
+0.169%Above
Fees
$3,730Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume82
Mix15.8%
Spread
-0.120%Below
Fees
$2,673Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume65
Mix12.5%
Spread
-0.707%Below
Fees
$2,585Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume11
Mix2.1%
Spread
+0.350%Above
Fees
$4,250Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume475
Mix91.7%
Spread
-0.008%Below
Fees
$3,413Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume43
Mix8.3%
Spread
+0.244%Above
Fees
$3,613Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
518
Applications
748
Volume
$188 million
Pricing & Closing
Avg Rate Spread
+0.028%
vs. market APOR
Avg Net Fees
$3,442
Origination − Credits
Pullthrough Rate
69.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$364,826
Avg Borrower Income
$137,293
Avg Property Value
$506,371

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
NDSD
West6
AZCOIDMTORWA

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Missoula, MTMetro
Volume 92Mix 17.76% of portfolio
100/100
Exceptional
2© Eric Friedebach · CC BY 3.0
Great Falls, MTMetro
Volume 127Mix 24.52% of portfolio
91/100
Exceptional
3© User: (WT-shared) Mikepenn at wts wikivoyage · CC BY-SA 1.0
Billings, MTMetro
Volume 72Mix 13.90% of portfolio
81/100
Exceptional
4© Martin Kraft · CC BY-SA 3.0
Helena, MTMetro
Volume 43Mix 8.30% of portfolio
74/100
Strong
5© Feetyouwear · CC BY 2.0
Bozeman, MTMetro
Volume 28Mix 5.41% of portfolio
67/100
Strong

Top States by Place Specialization Score

Montana
Montana
1
MontanaState
Volume 496Mix 95.75% of portfolio
92/100
Exceptional
Washington
Washington
2
WashingtonState
Volume 14Mix 2.70% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.