Opportunity Bank of Montana closing costs and rates (2024)
In 2024, Opportunity Bank of Montana originated 490 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $6,112. That is $629 below the national median of $6,741. Opportunity Bank of Montana is most active in Montana with 470 originations there.
Purchase Originations
490
Median Total Costs
$6,112
−9.3% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$2,183
Median Lender Credits
$55
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 325 | 6.625% | $5,390 | $2,606 |
| fha | 94 | 5.750% | $8,559 | $1,139 |
| va | 64 | 5.750% | $7,380 | $1,853 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Montana | 470 | 6.375% | $6,080 | #4 |
| Washington | 14 | 6.375% | $6,249 | — |
| Arizona | 1 | 7.125% | $6,529 | — |
| Colorado | 1 | 5.375% | $15,088 | — |
| Idaho | 1 | 5.625% | $14,478 | — |
| North Dakota | 1 | 6.125% | $942 | — |
| Oregon | 1 | 6.625% | $6,846 | — |
| South Dakota | 1 | 5.875% | $5,303 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,870 | 6.125% | — | 5 | −$2,242 | |
| 2 | $3,885 | 6.188% | — | 8 | −$2,227 | |
| 3 | $4,912 | 6.438% | — | 28 | −$1,200 | |
| 4 | $5,263 | 6.500% | — | 15 | −$849 | |
| 5 | $5,338 | 6.625% | — | 81 | −$774 | |
| 6 | $5,522 | 6.500% | — | 2 | −$590 | |
| 7 | $5,618 | 5.750% | — | 4 | −$494 | |
| 8 | $5,932 | 6.500% | — | 62 | −$180 | |
| 9 | $5,953 | 6.625% | — | 6 | −$159 | |
| 10 | $6,325 | 6.625% | — | 2 | +$213 | |
| 11 | $6,337 | 6.312% | — | 8 | +$225 | |
| 12 | $6,377 | 6.625% | — | 26 | +$265 | |
| 13 | $6,463 | 6.000% | — | 128 | +$351 | |
| 14 | $6,494 | 6.500% | — | 11 | +$382 | |
| 15 | $6,887 | 6.625% | — | 29 | +$775 | |
| 16 | $7,370 | 6.625% | — | 4 | +$1,258 | |
| 17 | $9,539 | 6.000% | — | 4 | +$3,427 | |
| 18 | $9,811 | 6.312% | — | 28 | +$3,699 | |
| 19 | $11,279 | 6.500% | — | 5 | +$5,167 | |
| 20 | $11,816 | 6.000% | — | 3 | +$5,704 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.