Credit Human Federal Credit Union in Montana vs the state
57.6%Denial rate+42.76 pts vs state
57.6%Decision denial rate+38.88 pts vs state
27.3%Origination rate-34.71 pts vs state
8.60%Median rate+1.97 pts vs state
2.75Rate spread (pts)+2.51 pts vs state
$77kMedian applicant income
9Loans originated
19Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 10 | 36.4% | 8.20% | #115 |
| 2024 | 60 | 16 | 58.3% | 9.00% | #78 |
| 2025 | 33 | 9 | 57.6% | 8.60% | #116 |
What Credit Human Federal Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 18 | 6 | 10 | 55.6% |
| Gallatin County | 5 | 0 | 5 | 100.0% |
| Lewis and Clark County | 5 | 1 | 2 | 40.0% |
| Lincoln County | 4 | 2 | 1 | 25.0% |
| Missoula County | 1 | 0 | 1 | 100.0% |
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: 33 applications in 2025, of which 9 were originated and 19 denied.
57.6% of all applications, or 57.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Credit Human Federal Credit Union originated in Montana in 2025 was 8.60%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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