Black Hills Federal Credit Union in Montana vs the state
27.6%Denial rate+12.77 pts vs state
30.8%Decision denial rate+12.07 pts vs state
58.6%Origination rate-3.36 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.04 pts vs state
$95kMedian applicant income
17Loans originated
8Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 0.0% | 5.50% | #199 |
| 2024 | 36 | 14 | 36.1% | 8.00% | #101 |
| 2025 | 29 | 17 | 27.6% | 6.50% | #123 |
What Black Hills Federal Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Black Hills Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 20 | 10 | 8 | 40.0% |
| Stillwater County | 2 | 1 | 0 | 0.0% |
| Musselshell County | 2 | 1 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Park County | 1 | 1 | 0 | 0.0% |
| Silver Bow County | 1 | 1 | 0 | 0.0% |
| Beaverhead County | 1 | 1 | 0 | 0.0% |
| Big Horn County | 1 | 1 | 0 | 0.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 29 applications in 2025, of which 17 were originated and 8 denied.
27.6% of all applications, or 30.8% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Black Hills Federal Credit Union originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Black Hills Federal Credit Union's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology