Intrepid Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Intrepid Credit Union of Helena, MT reported 126 mortgage applications totaling $21.7 million, down 27% from 2024. The average application was for $171,904, and applicants reported an average income of $328,738. 59% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Helena, MT (71), Billings, MT (13) and Bozeman, MT (6) (applications in parentheses).
| Mortgage Company & Address | Intrepid Credit Union 915 Kessler Street Helena, MT 59601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 126 |
| Total Mortgage Loan Application Amount | $21,660,000 |
| Average Mortgage Loan Application Amount | $171,904 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $328,738 |
| Highest Applicant Income | $5,666,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Intrepid Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Intrepid Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 48 | $11,200,000 | $233,000 | $725,000 | $412,000 | $5,666,000 |
| Cash-out Refinancing | 35 | $4,645,000 | $132,000 | $605,000 | $178,000 | $918,000 |
| Home Improvement | 28 | $2,160,000 | $77,000 | $175,000 | $137,000 | $283,000 |
| Refinancing | 8 | $3,140,000 | $392,000 | $1,315,000 | $176,000 | $345,000 |
| Other Purpose | 7 | $515,000 | $73,000 | $155,000 | $1,453,000 | $5,122,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 68 | $11,840,000 | $174,000 | $725,000 | $351,000 | $5,122,000 |
| Not Provided | 11 | $2,515,000 | $228,000 | $1,315,000 | $143,000 | $238,000 |
| Hispanic | 3 | $455,000 | $151,000 | $335,000 | $178,000 | $235,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $115,000 | $115,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 110 | $17,270,000 | $157,000 | $1,315,000 | $349,000 | $5,666,000 |
| FHA-insured (Federal Housing Administration) | 14 | $3,740,000 | $267,000 | $505,000 | $207,000 | $345,000 |
| VA-guaranteed (Veterans Administration) | 2 | $650,000 | $325,000 | $545,000 | $141,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 74 | $13,610,000 | $183,000 | $1,315,000 | $151,000 | $918,000 |
| File Closed For Incompleteness | 33 | $5,945,000 | $180,000 | $605,000 | $539,000 | $5,666,000 |
| Application Denied By Financial Institution | 14 | $1,660,000 | $118,000 | $305,000 | $864,000 | $5,122,000 |
| Application Withdrawn By Applicant | 4 | $440,000 | $110,000 | $235,000 | $190,000 | $275,000 |
| Application Approved But Not Accepted | 1 | $5,000 | $5,000 | $5,000 | $297,000 | $297,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 112 | $20,000,000 | $178,000 | $1,315,000 | $268,000 | $5,666,000 |
| Credit History | 4 | $650,000 | $162,000 | $305,000 | $162,000 | $300,000 |
| Debt-To-Income Ratio | 4 | $160,000 | $40,000 | $65,000 | $2,469,000 | $5,122,000 |
| Collateral | 2 | $310,000 | $155,000 | $205,000 | $173,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $175,000 | $156,000 | $170,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Intrepid Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Intrepid Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Montana, download the full spreadsheet
with aggregated HMDA statistics today.
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