Opportunity Bank of Montana mortgage approval rate & lending review
Opportunity Bank of Montana decided 1,579 mortgage applications and funded 1,444 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Opportunity Bank of Montana reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Opportunity Bank of Montana at a glance
Approval is 11.5 points above the 81.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 928 / 967 | 99% | $295K | 915 |
| Home improvement loans | 84% | 210 / 250 | 99% | $65K | 207 |
| Cash-out refinance | 81% | 30 / 37 | 100% | $385K | 30 |
| Refinance | 91% | 100 / 110 | 98% | $115K | 98 |
| Investment property purchase | 95% | 146 / 154 | 98% | $375K | 143 |
| Investment home improvement | 88% | 35 / 40 | 97% | $105K | 34 |
Opportunity Bank of Montana lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Montana | 93% | $295K | 1,527 | 1,395 |
| Washington | 97% | $535K | 29 | 27 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Opportunity Bank of Montana lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Yellowstone County, MT | Mortgage lenders | 94% | 518 | 483 |
| Missoula County, MT | Mortgage lenders | 99% | 253 | 247 |
| Gallatin County, MT | Mortgage lenders | 95% | 149 | 140 |
| Missoula County, MT | Home improvement loans | 84% | 87 | 73 |
| Yellowstone County, MT | Home improvement loans | 85% | 86 | 72 |
| Gallatin County, MT | Home improvement loans | 84% | 73 | 59 |
| Yellowstone County, MT | Investment property purchase | 94% | 54 | 49 |
| Gallatin County, MT | Investment property purchase | 92% | 51 | 47 |
| Yellowstone County, MT | Refinance | 90% | 52 | 45 |
| Missoula County, MT | Investment property purchase | 100% | 36 | 35 |
| Missoula County, MT | Refinance | 94% | 34 | 32 |
| Gallatin County, MT | Refinance | 86% | 22 | 19 |
The county markets where Opportunity Bank of Montana made the most loans. Each link opens that market with every lender ranked.
Questions about Opportunity Bank of Montana
What is Opportunity Bank of Montana's mortgage approval rate?
Opportunity Bank of Montana approved 92.8% of the 1,579 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 81.4% national rate for the same mix of loan types.
How often do borrowers take the loan Opportunity Bank of Montana offers?
Borrowers accepted 98% of the loans Opportunity Bank of Montana approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Opportunity Bank of Montana make?
The typical home purchase mortgage loan Opportunity Bank of Montana made was $295K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Opportunity Bank of Montana lend?
Opportunity Bank of Montana decided applications in 8 of the states Fat Boy Data covers, most of them in Montana, Washington and Arizona.
Can I apply to Opportunity Bank of Montana directly?
Yes. Opportunity Bank of Montana is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Opportunity Bank of Montana's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Opportunity Bank of Montana treats applications, then get a rate quote from the lender.