Navy Federal Credit Union in Montana vs the state
18.8%Denial rate+3.93 pts vs state
28.7%Decision denial rate+9.99 pts vs state
45.8%Origination rate-16.15 pts vs state
6.94%Median rate+0.31 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$122kMedian applicant income
176Loans originated
72Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 295 | 132 | 25.8% | 7.25% | #22 |
| 2024 | 352 | 159 | 23.9% | 7.65% | #21 |
| 2025 | 384 | 176 | 18.8% | 6.94% | #22 |
What Navy Federal Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 57 | 28 | 12 | 21.1% |
| Yellowstone County | 55 | 30 | 5 | 9.1% |
| Cascade County | 42 | 19 | 7 | 16.7% |
| Missoula County | 40 | 19 | 6 | 15.0% |
| Lewis and Clark County | 35 | 16 | 8 | 22.9% |
| Gallatin County | 25 | 6 | 7 | 28.0% |
| Ravalli County | 23 | 10 | 8 | 34.8% |
| Lake County | 13 | 4 | 2 | 15.4% |
| Lincoln County | 10 | 7 | 0 | 0.0% |
| Silver Bow County | 10 | 4 | 1 | 10.0% |
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: 384 applications in 2025, of which 176 were originated and 72 denied.
18.8% of all applications, or 28.7% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Navy Federal Credit Union originated in Montana in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Navy 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