# BILLINGS

> **Canonical URL:** https://saferate.com/lenders/billings

> **📋 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

BILLINGS is a credit union, headquartered in Billings, MT, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300V0B2PZ5XF4SB58
- **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: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.335%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,741
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $15 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $327,553
- **Average Borrower Income:** $227,830

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 45 | -0.363% | $3,454 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 34 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 35 | $12M | -0.239% | Acceptable 🙂 |
| Refinance | 40/100 | 12 | $3M | -0.637% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 47 | 0.45% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Billings, MT | MT | 47 | 79/100 |

## Frequently Asked Questions

### What loan types does BILLINGS offer?

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

### Where does BILLINGS offer mortgages?

BILLINGS offers mortgages in 1 states: MT.

### How competitive are BILLINGS's mortgage rates?

BILLINGS has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.335% below market average.

### What type of lender is BILLINGS?

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

### What is BILLINGS's loan approval success rate?

BILLINGS has a pull-through score of 44/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/billings

### How to Cite

> "BILLINGS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/billings

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