Mountain America Federal Credit Union in Montana vs the state
40.0%Denial rate+25.18 pts vs state
48.9%Decision denial rate+30.19 pts vs state
41.1%Origination rate-20.89 pts vs state
6.95%Median rate+0.33 pts vs state
0.73Rate spread (pts)+0.49 pts vs state
$104kMedian applicant income
113Loans originated
110Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 76 | 35.0% | 7.75% | #31 |
| 2024 | 252 | 92 | 36.9% | 8.25% | #31 |
| 2025 | 275 | 113 | 40.0% | 6.95% | #32 |
What Mountain America Federal Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 93 | 34 | 41 | 44.1% |
| Missoula County | 46 | 18 | 15 | 32.6% |
| Lewis and Clark County | 17 | 9 | 4 | 23.5% |
| Cascade County | 11 | 4 | 7 | 63.6% |
| Gallatin County | 11 | 5 | 4 | 36.4% |
| Flathead County | 11 | 4 | 6 | 54.5% |
| Ravalli County | 11 | 9 | 1 | 9.1% |
| Silver Bow County | 7 | 2 | 4 | 57.1% |
| Lincoln County | 7 | 4 | 2 | 28.6% |
| Deer Lodge County | 7 | 1 | 3 | 42.9% |
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: 275 applications in 2025, of which 113 were originated and 110 denied.
40.0% of all applications, or 48.9% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Mountain America Federal Credit Union originated in Montana in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are Mountain America 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