Intrepid Credit Union
Intrepid Credit Union received 95 applications in 2025 and made 74 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 7.125% on a median loan of $95,000. Of 83 decisions, 8 were denials — 9.6%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300194HWC07WB7985 |
|---|---|
| Applications received | 95 |
| Mortgages made | 74 |
| Denied | 8 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.457 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 13 | 6.500% | $315,000 | 13.3% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 30 | 7.250% | $95,000 | 3.1% |
| Other purposes | 25 | 7.000% | $75,000 | 13.8% |
Where Intrepid Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lewis and Clark County, MT | 44 | 7.188% | 6.3% |
| Yellowstone County, MT | 12 | 6.688% | 0.0% |
| Gallatin County, MT | 6 | Under 10 loans | 0.0% |
| Broadwater County, MT | 5 | Under 10 loans | 16.7% |
| Jefferson County, MT | 5 | Under 10 loans | 37.5% |
| Carbon County, MT | 1 | Under 10 loans | 0.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Deer Lodge County, MT | 0 | Under 10 loans | 100.0% |
| Lincoln County, MT | 0 | Under 10 loans | Not published |
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When Intrepid Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.