Idaho Central Credit Union in Montana vs the state
20.0%Denial rate+5.18 pts vs state
22.2%Decision denial rate+3.52 pts vs state
60.0%Origination rate-1.98 pts vs state
6.63%Median rate0.00 pts vs state
0.10Rate spread (pts)-0.14 pts vs state
$210kMedian applicant income
6Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 4 | 0.0% | 6.18% | #198 |
| 2025 | 10 | 6 | 20.0% | 6.63% | #182 |
What Idaho Central Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Idaho Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sanders County | 2 | 2 | 0 | 0.0% |
| Gallatin County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
| Mineral County | 1 | 0 | 1 | 100.0% |
| Flathead County | 1 | 1 | 0 | 0.0% |
| Ravalli County | 1 | 0 | 0 | 0.0% |
| Silver Bow County | 1 | 1 | 0 | 0.0% |
| 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: 10 applications in 2025, of which 6 were originated and 2 denied.
20.0% of all applications, or 22.2% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Idaho Central Credit Union originated in Montana in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Idaho Central 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