Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | OPPORTUNITY BANK OF | Stockman Bank of |
|---|---|---|
| Total Applications | 1,537 | 2,613 ▲ |
| Loans Originated | 1,062 | 2,011 |
| Approval Rate (higher is better) | 69.1% | 77.0% ✓ |
| Denial Rate (lower is better) | 8.7% | 5.7% ✓ |
| Avg Loan Amount | $270,940 | $284,043 |
| Avg Interest Rate (lower is better) | 7.124% ✓ | 7.133% |
| Avg Applicant Income | $37,000 | $37,000 |
| Applications Denied | 134 | 148 |
| Applications Withdrawn | 296 | 399 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | OPPORTUNITY BANK OF | Stockman Bank of |
|---|---|---|
| Conventional | 1,285 (83.6%) | 2,150 (82.3%) |
| FHA | 140 (9.1%) | 249 (9.5%) |
| VA | 104 (6.8%) | 196 (7.5%) |
| USDA | 8 (0.5%) | 18 (0.7%) |
Loan Purpose Breakdown
| Purpose | OPPORTUNITY BANK OF | Stockman Bank of |
|---|---|---|
| Home Purchase | 914 | 1,611 |
| Home Improvement | 252 | 302 |
| Other | 167 | 269 |
| Refinancing | 146 | 312 |
| Cash-out Refinancing | 58 | 119 |
Top States by Loan Volume
Summary
- 1,537 total applications · 1,062 originated
- Approval rate: 69.1%
- Denial rate: 8.7%
- Avg loan: $270,940
- Avg rate: 7.124%
- HQ: HELENA, MT
- 2,613 total applications · 2,011 originated
- Approval rate: 77.0%
- Denial rate: 5.7%
- Avg loan: $284,043
- Avg rate: 7.133%
- HQ: Miles City, MT
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.