CLEARWATER Federal Credit Union in Montana vs the state
16.3%Denial rate+1.51 pts vs state
22.9%Decision denial rate+4.21 pts vs state
55.0%Origination rate-7.00 pts vs state
7.25%Median rate+0.63 pts vs state
1.28Rate spread (pts)+1.04 pts vs state
$104kMedian applicant income
138Loans originated
41Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 345 | 235 | 14.2% | 7.50% | #18 |
| 2024 | 291 | 167 | 20.6% | 7.88% | #25 |
| 2025 | 251 | 138 | 16.3% | 7.25% | #39 |
What CLEARWATER Federal Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most CLEARWATER Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 198 | 108 | 31 | 15.7% |
| Cascade County | 14 | 5 | 3 | 21.4% |
| Gallatin County | 11 | 5 | 4 | 36.4% |
| Lewis and Clark County | 10 | 7 | 1 | 10.0% |
| Mineral County | 7 | 6 | 0 | 0.0% |
| Jefferson County | 5 | 3 | 0 | 0.0% |
| Yellowstone County | 4 | 3 | 1 | 25.0% |
| Broadwater County | 2 | 1 | 1 | 50.0% |
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: 251 applications in 2025, of which 138 were originated and 41 denied.
16.3% of all applications, or 22.9% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans CLEARWATER Federal Credit Union originated in Montana in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are CLEARWATER 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