CLEARWATER Federal Credit Union
CLEARWATER Federal Credit Union received 251 applications in 2025 and made 138 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $165,000. Of 179 decisions, 41 were denials — 22.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300W2W119ZBFOWS21 |
|---|---|
| Applications received | 251 |
| Mortgages made | 138 |
| Denied | 41 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 72 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.28 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 56 | 6.750% | $425,000 | 5.1% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 12 | 6.938% | $185,000 | 29.4% |
| Other purposes | 66 | 7.875% | $80,000 | 30.5% |
Where CLEARWATER Federal Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Missoula County, MT | 108 | 7.375% | 22.3% |
| Lewis and Clark County, MT | 7 | Under 10 loans | 12.5% |
| Mineral County, MT | 6 | Under 10 loans | 0.0% |
| Cascade County, MT | 5 | Under 10 loans | 37.5% |
| Gallatin County, MT | 5 | Under 10 loans | 44.4% |
| Jefferson County, MT | 3 | Under 10 loans | 0.0% |
| Yellowstone County, MT | 3 | Under 10 loans | 25.0% |
| Broadwater County, MT | 1 | Under 10 loans | 50.0% |
Get told when this changes
When CLEARWATER Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.