Horizon Federally Insured State-Chartered Credit Union in Montana vs the state
34.4%Denial rate+19.62 pts vs state
37.4%Decision denial rate+18.65 pts vs state
54.4%Origination rate-7.54 pts vs state
2.99%Median rate-3.64 pts vs state
-3.90Rate spread (pts)-4.14 pts vs state
$96kMedian applicant income
147Loans originated
93Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 118 | 42.8% | 5.99% | #25 |
| 2024 | 221 | 103 | 39.8% | 4.99% | #36 |
| 2025 | 270 | 147 | 34.4% | 2.99% | #35 |
What Horizon Federally Insured State-Chartered Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Horizon Federally Insured State-Chartered Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 107 | 54 | 38 | 35.5% |
| Missoula County | 58 | 32 | 22 | 37.9% |
| Silver Bow County | 35 | 24 | 9 | 25.7% |
| Ravalli County | 21 | 12 | 7 | 33.3% |
| Gallatin County | 18 | 8 | 6 | 33.3% |
| Mineral County | 5 | 1 | 4 | 80.0% |
| Flathead County | 4 | 2 | 1 | 25.0% |
| Powell County | 4 | 1 | 2 | 50.0% |
| Lake County | 3 | 2 | 1 | 33.3% |
| Lewis and Clark County | 3 | 3 | 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: 270 applications in 2025, of which 147 were originated and 93 denied.
34.4% of all applications, or 37.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Horizon Federally Insured State-Chartered Credit Union originated in Montana in 2025 was 2.99%, against a statewide median of 6.63%.
About this data. Figures are Horizon Federally Insured State-Chartered 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