# CLEARWATER Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/clearwater-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


CLEARWATER Federal Credit Union is a credit union, headquartered in Missoula, MT, with 67 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300W2W119ZBFOWS21
- **Headquarters:** Missoula, 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: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.263%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,196
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 67
- **Dollar Volume:** $27 million
- **Applications Received:** 105
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $400,373
- **Average Borrower Income:** $158,373
- **Average Property Value:** $628,731

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 61 | -0.223% | $2,300 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 47 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 53 | $24M | -0.454% | Sound ☺️ |
| Refinance | 47/100 | 14 | $3M | +0.515% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 67 | 0.64% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Missoula, MT | MT | 57 | 93/100 |

## Where This Lender Ranks

CLEARWATER Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Missoula, MT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Montana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Missoula, MT for Conventional Loans
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Montana Credit Unions
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions)
- 🏆 **#10** in Missoula, MT
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders)
- 🏆 **#19** in Montana for Jumbo Loans
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

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

CLEARWATER 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 CLEARWATER Federal Credit Union offer mortgages?

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

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

CLEARWATER Federal Credit Union has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.263% below market average.

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

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

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

CLEARWATER Federal Credit Union has a pull-through score of 31/100 (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/clearwater-federal-credit-union

### How to Cite

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

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