Applications / Mortgage Analytics / Lenders / Montana / 1st Liberty Federal Credit Union
Great Falls, MT · Credit union · NCUA · $216 million assets · 16 loans in 2025
1st Liberty Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
16
loans originated, 2025
21
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Liberty Federal Credit Union, a Great Falls, Montana, credit union that has reported since 1990, made 16 loans in 2025, about a quarter as many as in 2019.
Its loans rose 33%, from 12 to 16. Similar lenders, credit unions making between half and twice as many loans, saw theirs fall 11%, while the whole market grew 10%. It made 60 loans in 2018 and 65 in 2019. It filed no report for 2020, 2021 or 2022, so how its lending moved in those years is unknown.
Great Falls is its largest market. Its share there rose 0.1 points, to 0.3%, and it ranked 46 of 136; Stockman Bank of Montana leads that market. It also lends in Helena and rural Montana, in five counties in all.
All its loans were conventional, with no government backing. On 16 loans, its shares of lending to low- and moderate-income borrowers and neighborhoods, its loan purposes, its loan sizes and its typical rate each rest on a handful of loans, too few to compare with similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. 1st Liberty Federal Credit Union took 21 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 81.3% · Purchase 18.8%
Conventional 100.0% · of 16 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 | 16 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Great Falls | 9 |
| Helena | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SQW7KBZFSQK518 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 174581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510375 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: 1st Liberty Federal Credit Union's data.
1st Liberty Federal Credit Union's data
$215
1st Liberty 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.
Buy 1st Liberty Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]