Montana Federal Credit Union
Montana Federal Credit Union received 141 applications in 2025 and made 109 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 6.740% on a median loan of $85,000. Of 127 decisions, 15 were denials — 11.8%, most often for credit history.
| Legal Entity Identifier | 549300WP41C3FFSKY830 |
|---|---|
| Applications received | 141 |
| Mortgages made | 109 |
| Denied | 15 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.712 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 | 17 | 5.490% | $205,000 | 0.0% |
| Refinancing | 38 | 6.740% | $125,000 | 11.6% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 46 | 6.740% | $55,000 | 11.3% |
Where Montana Federal Credit Union lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cascade County, MT | 87 | 6.740% | 11.9% |
| Chouteau County, MT | 6 | Under 10 loans | 0.0% |
| Teton County, MT | 5 | Under 10 loans | 16.7% |
| Lewis and Clark County, MT | 4 | Under 10 loans | 16.7% |
| Gallatin County, MT | 2 | Under 10 loans | 0.0% |
| Missoula County, MT | 2 | Under 10 loans | 0.0% |
| Judith Basin County, MT | 1 | Under 10 loans | 0.0% |
| Lincoln County, MT | 1 | Under 10 loans | 0.0% |
| Ravalli County, MT | 1 | Under 10 loans | 0.0% |
| Glacier County, MT | 0 | Under 10 loans | 100.0% |
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When Montana Federal 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.