Applications / Mortgage Analytics / Lenders / Montana / Opportunity Bank of Montana
Helena, MT · State member bank · FRS · $2.1 billion assets · 1,148 loans in 2025
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1,148
loans originated, 2025
1,621
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Opportunity Bank of Montana is a Montana purchase lender with far more government-backed loans than similar lenders, ranking second of 136 lenders in Great Falls, where its share fell in 2025.
FHA loans (insured by the Federal Housing Administration) were 9.8% of its originations, against 1.6% at similar lenders (state member banks making between half and twice as many loans), up from 5.5% five years before. VA loans (guaranteed by the Department of Veterans Affairs) were 3.7%, against 0.5%. Manufactured homes were 4.4%, against 1.0%. Purchases were 57.9% of its loans.
Its share fell 2.1 points to 8.9% in Great Falls, behind Stockman Bank of Montana; 1.4 points to 5.6% in Missoula, where it ranked 4 of 172; and 0.4 points to 4.7% in Helena. In Billings it held 3.1%, slightly up. Competitors' growth and its focus on purchases rather than refinancing are possible reasons.
Originations rose 8% to 1,148, against 7% at peers and 10% for the whole market. They were 3,739 in 2021. Its typical loan, $215,000, and typical rate, 6.88%, were close to peers', and it denied 4.4% of first-lien home-purchase applications, against 7.0%.
Majority-minority areas took 0.8% of its loans, among the lowest of its peers (6.9%), and LMI (low- and moderate-income) borrowers 22.0%, against 27.9%. Its markets, almost all in Montana, are one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Opportunity Bank of Montana took 1,621 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.9% · Home improvement 16.7% · Refinance 16.6% · Other 8.8%
Conventional 86.0% · FHA 9.8% · VA 3.7% · USDA (RHS or FSA) 0.5% · of 1,148 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Montana | 1,139 | 99.2% |
| Arizona | 2 | 0.2% |
| Oregon | 2 | 0.2% |
| Washington | 2 | 0.2% |
| Colorado | 1 | 0.1% |
| Idaho | 1 | 0.1% |
| Wyoming | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Great Falls | 210 |
| Billings | 181 |
| Helena | 161 |
| Missoula | 160 |
| Bozeman | 76 |
| Portland-Vancouver-Hillsboro | 3 |
| Phoenix-Mesa-Chandler | 2 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007ZF78YQRSXQG49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 685676 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1704902 | 2013–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2685676 | 2014–2017 |
Established 1 January 1922. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Opportunity Bank of Montana's data.
Opportunity Bank of Montana's data
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Opportunity Bank of Montana and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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