Applications / Mortgage Analytics / Lenders / Montana / Altana Federal Credit Union
Billings, MT · Credit union · NCUA · $634 million assets · 360 loans in 2025
Altana Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
360
loans originated, 2025
480
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Altana Federal Credit Union, the seventh-largest lender in Billings, makes most of its loans to people who already own their homes; its lending fell back in 2025 after a jump the year before.
Home improvement made up 35.8% of its loans and other purposes 27.5%. Home purchases were only 13.6%. Every loan was conventional, with no government backing. Its typical loan, $105,000, matched that of similar lenders, credit unions making between half and twice as many loans.
It made 423 loans in 2024, up from 118 in 2023. In 2025 it made 360, a fall of 15%, while similar lenders grew by 7%. Part of the fall may be a step back from that unusual year. Even so, 2025 was higher than every year before 2024.
In Billings, its largest market and one it has served since at least 1990, it ranked 7 of 201 lenders. Its share fell to 3.5% from 5.1%; Stockman Bank of Montana led the market. The drop in its own lending is one possible reason.
Its typical rate was 6.25%, against 6.99% at similar lenders. That was lower than at about four in five of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Altana Federal Credit Union took 480 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.8% · Other 27.5% · Refinance 23.1% · Purchase 13.6%
Conventional 100.0% · of 360 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Montana | 356 | 98.9% |
| Wyoming | 3 | 0.8% |
| Florida | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Billings | 309 |
| Bozeman | 6 |
| Helena | 1 |
| Missoula | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930043A47GB1KNJQ31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 782986 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56275 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Altana Federal Credit Union's data.
Altana Federal Credit Union's data
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Altana Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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