New to the record
It first reported in 2024. It made 74 loans in 2025, up 7%, about the same as similar lenders, credit unions making between half and twice as many loans, whose loans rose 6%. Two years are too few to show a trend.
Applications / Mortgage Analytics / Lenders / Montana / Intrepid Credit Union
Intrepid Credit Union
Helena, MT · Credit union · NCUA · 74 loans in 2025
Intrepid Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
74
loans originated, 2025
126
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Intrepid Credit Union, a Helena lender that first reported in 2024, mostly refinances and repairs homes rather than financing purchases.
Refinancing and repairs
Refinances made up 48.6% of its loans and home improvement 33.8%; purchases were 17.6%. Its typical loan, $95,000, matched that of similar lenders. Most of its loans, 91.9%, were conventional.
A Helena lender
It lends in one state and 7 counties. It ranks 18 of 168 lenders in Helena, with 1.1% of the market, led by Evergreen Moneysource Mortgage Company. It also lends in Billings and Bozeman.
Fewer lower-income borrowers
Some 18.9% of its borrowers had low or moderate incomes (LMI), against 30.6% at the typical peer, and 5.4% of its loans went to poorer neighborhoods, against 17.5%. Both are lower than at most similar lenders. Lending to existing owners rather than buyers may draw a different set of borrowers, and the few counties it serves are another possible reason.
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, 2024–2025
74 loans in 2025, its most in any year since 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Intrepid Credit Union took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
48.6% of its 2025 loans were refinance loans; 91.9% were conventional loans.
Refinance 48.6% · Home improvement 33.8% · Purchase 17.6%
Conventional 91.9% · FHA 5.4% · VA 2.7% · of 74 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
1 state, 3 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Montana | 74 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Helena | 54 |
| Billings | 13 |
| Bozeman | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300194HWC07WB7985 | 2024–2025 |
Established 31 December 2001. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Intrepid Credit Union's data.
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