Montana Federal Credit Union in Montana vs the state
10.6%Denial rate-4.18 pts vs state
11.8%Decision denial rate-6.89 pts vs state
77.3%Origination rate+15.32 pts vs state
6.74%Median rate+0.12 pts vs state
0.71Rate spread (pts)+0.47 pts vs state
$87kMedian applicant income
109Loans originated
15Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 86 | 11.1% | 6.13% | #51 |
| 2024 | 148 | 106 | 6.1% | 6.62% | #50 |
| 2025 | 141 | 109 | 10.6% | 6.74% | #55 |
What Montana Federal Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Montana Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 112 | 87 | 12 | 10.7% |
| Teton County | 8 | 5 | 1 | 12.5% |
| Chouteau County | 7 | 6 | 0 | 0.0% |
| Lewis and Clark County | 6 | 4 | 1 | 16.7% |
| Gallatin County | 2 | 2 | 0 | 0.0% |
| Missoula County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Judith Basin County | 1 | 1 | 0 | 0.0% |
| Glacier County | 1 | 0 | 1 | 100.0% |
| Ravalli County | 1 | 1 | 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: 141 applications in 2025, of which 109 were originated and 15 denied.
10.6% of all applications, or 11.8% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Montana Federal Credit Union originated in Montana in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Montana 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