We analyzed every closed loan from Opportunity Bank of Montana — 518 loans across 748 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Opportunity Bank of Montana performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+2.8 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
353 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
FHA
82 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
VA
65 loans · 0.71% below market
Strong
Top 40% of lenders
4/5
Jumbo
11 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
475 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
Refinance
43 loans · 0.24% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 353 | 68.1% | +0.169%Above | $3,730Fees | ||||
FHA Loans | 82 | 15.8% | -0.120%Below | $2,673Fees | ||||
VA Loans | 65 | 12.5% | -0.707%Below | $2,585Fees | ||||
Jumbo Loans | — | — | 11 | 2.1% | +0.350%Above | $4,250Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume353
Mix68.1%
Spread
+0.169%Above
Fees
$3,730Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume82
Mix15.8%
Spread
-0.120%Below
Fees
$2,673Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume65
Mix12.5%
Spread
-0.707%Below
Fees
$2,585Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix2.1%
Spread
+0.350%Above
Fees
$4,250Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 475 | 91.7% | -0.008%Below | $3,413Fees | ||||
Refinance | 43 | 8.3% | +0.244%Above | $3,613Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume475
Mix91.7%
Spread
-0.008%Below
Fees
$3,413Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume43
Mix8.3%
Spread
+0.244%Above
Fees
$3,613Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
518
Applications
748
Volume
$188 million
Pricing & Closing
Avg Rate Spread
+0.028%
vs. market APOR
Avg Net Fees
$3,442
Origination − Credits
Pullthrough Rate
69.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$364,826
Avg Borrower Income
$137,293
Avg Property Value
$506,371
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 1010+None
Midwest2
NDSD
West6
AZCOIDMTORWA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.