# Altana Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/altana-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Altana Federal Credit Union is a credit union, headquartered in Billings, MT, with 60 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930043A47GB1KNJQ31
- **Headquarters:** Billings, MT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MT
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -1.062%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,749
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 60
- **Dollar Volume:** $21 million
- **Applications Received:** 63
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $355,667
- **Average Borrower Income:** $182,800
- **Average Property Value:** $626,833

## Safe Rate Awards 🏆

- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 56 | -1.060% | $1,549 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 38 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 20 | $8M | -0.969% | Acceptable 🙂 |
| Refinance | 60/100 | 40 | $14M | -1.110% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 60 | 0.58% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Billings, MT | MT | 55 | 82/100 |

## Where This Lender Ranks

Altana Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Montana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Billings, MT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Billings, MT for Conventional Loans
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Montana Credit Unions
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Montana for Conventional Loans
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Billings, MT
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Altana Federal Credit Union offer?

Altana Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Altana Federal Credit Union offer mortgages?

Altana Federal Credit Union offers mortgages in 1 states: MT.

### How competitive are Altana Federal Credit Union's mortgage rates?

Altana Federal Credit Union has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.062% below market average.

### What type of lender is Altana Federal Credit Union?

Altana Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Billings, MT.

### What is Altana Federal Credit Union's loan approval success rate?

Altana Federal Credit Union has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/altana-federal-credit-union

### How to Cite

> "Altana Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/altana-federal-credit-union

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