Applications / Mortgage Analytics / Lenders / Montana / Montana Federal Credit Union
Great Falls, MT · Credit union · NCUA · $352 million assets · 109 loans in 2025
Montana Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
109
loans originated, 2025
141
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Montana Federal Credit Union lends mostly to people who already own their homes: refinancing and home improvement made up about four in five of its loans in 2025.
Refinancing made up 42.2% of its loans and home improvement 39.4%; purchases were 15.6%. Its typical loan, $85,000, was below the $105,000 of similar lenders (credit unions making between half and twice as many loans), which fits a book with so many improvement loans.
In Great Falls it ranked 14 of 136 lenders with 2.0% of the dollars lent, down from 2.4%. Stockman Bank of Montana led the market, followed by Opportunity Bank of Montana. It has lent there since at least 1990. Its own lending rose, to $16.5 million from $13.8 million, so the slip may reflect bigger lending by rivals rather than any retreat.
Higher-priced loans (a rate well above the average for similar loans) made up 0.9% of its lending, against 3.2% at similar credit unions, and down from 1.9% in 2024. Its typical rate, 6.74%, matched theirs.
Low- and moderate-income borrowers took 35.8% of its loans, against 29.5% at similar credit unions, a higher share than about two-thirds of them. In 2020 the share was 25.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Montana Federal Credit Union took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.2% · Home improvement 39.4% · Purchase 15.6% · Other 2.8%
Conventional 100.0% · of 109 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 | 109 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Great Falls | 87 |
| Helena | 4 |
| Bozeman | 2 |
| Missoula | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WP41C3FFSKY830 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 341477 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54164 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Montana Federal Credit Union's data.
Montana Federal Credit Union's data
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Montana 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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