# Montana Federal Credit Union

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


Montana Federal Credit Union is a credit union, headquartered in Great Falls, MT, with 46 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300WP41C3FFSKY830
- **Headquarters:** Great Falls, 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

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


### Lending Volume
- **Total Loans:** 46
- **Dollar Volume:** $9 million
- **Applications Received:** 65
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $206,087
- **Average Borrower Income:** $106,717
- **Average Property Value:** $384,565

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 46 | +0.045% | $395 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 30 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 16 | $4M | +0.736% | Acceptable 🙂 |
| Refinance | 58/100 | 30 | $6M | -0.054% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 46 | 0.44% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Great Falls, MT | MT | 41 | 75/100 |

## Where This Lender Ranks

Montana Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Montana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Montana Credit Unions
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in Great Falls, MT
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders)
- 🏆 **#9** in Great Falls, MT for Conventional Loans
  - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

Montana 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 Montana Federal Credit Union offer mortgages?

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

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

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

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

Montana 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/montana-federal-credit-union

### How to Cite

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

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