Valley Financial Credit Union in Montana vs the state
21.6%Denial rate+6.75 pts vs state
21.8%Decision denial rate+3.13 pts vs state
77.0%Origination rate+14.99 pts vs state
7.25%Median rate+0.63 pts vs state
0.85Rate spread (pts)+0.61 pts vs state
$118kMedian applicant income
264Loans originated
74Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 300 | 221 | 24.7% | 7.50% | #21 |
| 2024 | 411 | 336 | 16.1% | 7.65% | #19 |
| 2025 | 343 | 264 | 21.6% | 7.25% | #23 |
What Valley Financial Credit Union lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Valley Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 257 | 196 | 57 | 22.2% |
| Gallatin County | 19 | 16 | 3 | 15.8% |
| Musselshell County | 17 | 10 | 6 | 35.3% |
| Stillwater County | 16 | 14 | 2 | 12.5% |
| Carbon County | 11 | 9 | 2 | 18.2% |
| Custer County | 4 | 3 | 1 | 25.0% |
| Broadwater County | 3 | 1 | 2 | 66.7% |
| Fergus County | 2 | 2 | 0 | 0.0% |
| Sweet Grass County | 2 | 2 | 0 | 0.0% |
| Rosebud County | 2 | 2 | 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: 343 applications in 2025, of which 264 were originated and 74 denied.
21.6% of all applications, or 21.8% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Valley Financial Credit Union originated in Montana in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Valley Financial 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