Intrepid Credit Union in Montana vs the state
8.4%Denial rate-6.40 pts vs state
9.6%Decision denial rate-9.06 pts vs state
77.9%Origination rate+15.91 pts vs state
7.13%Median rate+0.50 pts vs state
1.46Rate spread (pts)+1.22 pts vs state
$132kMedian applicant income
74Loans originated
8Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 127 | 69 | 17.3% | 7.75% | #54 |
| 2025 | 95 | 74 | 8.4% | 7.13% | #66 |
What Intrepid Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Intrepid Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lewis and Clark County | 52 | 44 | 3 | 5.8% |
| Jefferson County | 12 | 5 | 3 | 25.0% |
| Yellowstone County | 12 | 12 | 0 | 0.0% |
| Broadwater County | 7 | 5 | 1 | 14.3% |
| Gallatin County | 6 | 6 | 0 | 0.0% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Flathead County | 1 | 1 | 0 | 0.0% |
| Deer Lodge County | 1 | 0 | 1 | 100.0% |
| Lincoln County | 1 | 0 | 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: 95 applications in 2025, of which 74 were originated and 8 denied.
8.4% of all applications, or 9.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Intrepid Credit Union originated in Montana in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Intrepid 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