Purchase Originations
478
Median Total Costs
$6,355
−4.9% vs national ($6,680)
↑ $243 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,221
Median Lender Credits
$58
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 329 | 6.500% | $5,286 | $2,706 |
| fha | 106 | 5.875% | $8,597 | $200 |
| va | 37 | 5.875% | $7,630 | $1,890 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Montana | 473 | 6.125% | $6,365 | #5 |
| Washington | 2 | 6.500% | $7,099 | — |
| Arizona | 1 | 7.000% | $4,414 | — |
| Colorado | 1 | 6.875% | $3,738 | — |
| Oregon | 1 | 6.625% | $6,545 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,670 | 6.375% | — | 3 | −$3,685 | |
| 2 | $3,699 | 6.250% | — | 28 | −$2,656 | |
| 3 | $4,144 | 5.875% | — | 8 | −$2,211 | |
| 4 | $4,369 | 6.125% | — | 6 | −$1,986 | |
| 5 | $4,832 | 6.125% | — | 3 | −$1,523 | |
| 6 | $5,058 | 6.875% | — | 3 | −$1,297 | |
| 7 | $5,104 | 6.625% | — | 73 | −$1,251 | |
| 8 | $5,286 | 6.500% | — | 3 | −$1,069 | |
| 9 | $5,579 | 6.875% | — | 3 | −$776 | |
| 10 | $5,673 | 6.062% | — | 12 | −$682 | |
| 11 | $5,998 | 6.000% | — | 56 | −$357 | |
| 12 | $6,178 | 6.625% | — | 15 | −$177 | |
| 13 | $6,503 | 6.375% | — | 39 | +$148 | |
| 14 | $6,622 | 6.125% | — | 4 | +$267 | |
| 15 | $6,667 | 6.625% | — | 31 | +$312 | |
| 16 | $7,416 | 7.000% | — | 5 | +$1,061 | |
| 17 | $7,418 | 5.875% | — | 5 | +$1,063 | |
| 18 | $7,559 | 5.875% | — | 118 | +$1,204 | |
| 19 | $9,037 | 6.125% | — | 30 | +$2,682 | |
| 20 | $10,004 | 6.750% | — | 5 | +$3,649 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Opportunity Bank of Montana | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $6,355 | $7,127 | −$772 (−10.8%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.