Applications / Mortgage Analytics / Lenders / Montana / Rocky Mountain Credit Union
Helena, MT · Non-bank or government lender · CFPB · 50 loans in 2025
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50
loans originated, 2025
62
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rocky Mountain Credit Union, a Helena, Montana lender that first reported in 2024, makes small loans, a quarter of them for home improvement.
Purchases were 50.0% of its 50 loans and home improvement 26.0%. Its typical loan, $205,000, was smaller than at more than nine in ten similar lenders, non-bank or government lenders making between half and twice as many loans, whose typical loan was $397,500. That mix may explain why its $11.8 million of lending was lower than at about five in six of them, though it made about as many loans.
Helena is its main market. It ranked 21 of 168 lenders there, with a share of 0.9%, unchanged. Evergreen Moneysource Mortgage Company leads Helena. In Bozeman its share fell 0.2 points to 0.1%, and its loans fell 14% overall, moves a handful of loans can make at this size.
Its share of loans to low- and moderate-income (LMI) borrowers, 26.0%, was near the middle of similar lenders. Its share in LMI tracts was lower: 4.0%, against 23.2%, and it made no loans in majority-minority neighborhoods. Its lending is confined to 8 Montana counties, so the gap may reflect where its members live.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rocky Mountain Credit Union took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Home improvement 26.0% · Refinance 16.0% · Other 8.0%
Conventional 100.0% · of 50 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 | 50 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Helena | 27 |
| Bozeman | 13 |
| Great Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900I635IC2OZ0AI92 | 2024–2025 |
Established 17 December 1940. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Rocky Mountain Credit Union's data.
Rocky Mountain Credit Union's data
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Rocky Mountain 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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