Applications / Mortgage Analytics / Lenders / Montana / Russell Country Federal Credit Union
Great Falls, MT · Credit union · NCUA · $130 million assets · 57 loans in 2025
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57
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Russell Country Federal Credit Union, a Great Falls credit union, is chiefly a refinance lender, and it gained ground in its home market in 2025.
Refinances make up 82.5% of its loans, purchases 10.5% and other purposes 7.0%. Almost all are conventional loans. Its typical rate, 6.75%, sits in the middle of similar lenders, credit unions making between half and twice as many loans.
It has lent in Great Falls since at least 1990 and ranks 20 of 136 there. Its share rose from 0.8% to 1.0%; Stockman Bank of Montana and Opportunity Bank of Montana lead. It also edged up in Helena, by 0.1 points.
Its loans rose 10%, to 57, in line with the whole market and faster than the 6% at similar lenders. It filed no report for 2020 to 2022; since then it has reported 51, 52 and 57 loans.
Low- and moderate-income (LMI) borrowers took 30.9% of its loans, in the middle of its peers at 31.0%. Its share of lending in poorer neighborhoods, 16.1%, is close to theirs at 17.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Russell Country Federal Credit Union took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 82.5% · Purchase 10.5% · Other 7.0%
Conventional 98.2% · VA 1.8% · of 57 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 | 57 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Great Falls | 42 |
| Billings | 2 |
| Helena | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZBJ7X2KWFZ7A33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 737874 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55387 | 1990–2017 |
Established 1 January 1946. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Russell Country Federal Credit Union's data.
Russell Country Federal Credit Union's data
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Russell Country 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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