Homebuyers in Gallatin County County who chose Opportunity Bank of Montana paid $5,018 less in closing costs than the county median.
County Median Costs
$8,538
+13.2% vs Montana ($7,546)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$4,316
Purchase Originations
1,072
Denial Rate
5.6%
vs Montana avg (7.7%)
vs Montana Median
13.2% above
$992
vs National Median
27.8% above
$1,858
20 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,520 | 6.375% | $362 | 26 | −$4,249 | |
| 2 | $5,438 | 6.875% | $990 | 13 | −$2,331 | |
| 3 | $5,704 | 6.625% | $2,659 | 32 | −$2,065 | |
| 4 | $5,821 | 6.375% | $1,542 | 45 | −$1,948 | |
| 5 | $5,918 | 6.625% | $1,640 | 110 | −$1,851 | |
| 6 | $6,147 | 6.490% | $500 | 17 | −$1,622 | |
| 7 | $6,153 | 6.875% | $3,091 | 13 | −$1,616 | |
| 8 | $7,901 | 6.375% | $4,088 | 22 | +$132 | |
| 9 | $7,976 | 6.750% | $4,645 | 54 | +$207 | |
| 10 | $8,596 | 6.624% | $5,889 | 46 | +$827 | |
| 11 | $8,894 | 6.450% | $5,640 | 33 | +$1,125 | |
| 12 | $9,105 | 6.500% | $5,995 | 79 | +$1,336 | |
| 13 | $10,612 | 6.688% | $6,870 | 16 | +$2,843 | |
| 14 | $10,816 | 6.625% | $6,800 | 81 | +$3,047 | |
| 15 | $10,900 | 6.750% | $8,418 | 10 | +$3,131 | |
| 16 | $11,395 | 6.563% | $7,985 | 46 | +$3,626 | |
| 17 | $11,686 | 6.062% | $7,660 | 20 | +$3,917 | |
| 18 | $11,750 | 6.438% | $8,399 | 30 | +$3,981 | |
| 19 | $15,985 | 6.312% | $11,656 | 10 | +$8,216 |
Includes lenders with 10+ purchase originations in Gallatin County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Montana → Lender Directory
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.