Clearwater Federal Credit Union mortgage approval rate & lending review
Clearwater Federal Credit Union decided 449 mortgage applications and funded 392 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Clearwater Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Clearwater Federal Credit Union at a glance
Approval is 13.2 points above the 74.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 155 / 173 | 100% | $365K | 155 |
| Home improvement loans | 94% | 179 / 191 | 100% | $65K | 179 |
| Cash-out refinance | 60% | 29 / 48 | 100% | $185K | 29 |
Clearwater Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Montana | 87% | $185K | 449 | 392 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Clearwater Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Missoula County, MT | Home improvement loans | 94% | 191 | 179 |
| Missoula County, MT | Mortgage lenders | 92% | 166 | 152 |
| Missoula County, MT | Cash-out refinance | 62% | 45 | 28 |
The county markets where Clearwater Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Clearwater Federal Credit Union
What is Clearwater Federal Credit Union's mortgage approval rate?
Clearwater Federal Credit Union approved 87.3% of the 449 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 74.1% national rate for the same mix of loan types.
How often do borrowers take the loan Clearwater Federal Credit Union offers?
Borrowers accepted 100% of the loans Clearwater Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Clearwater Federal Credit Union make?
The typical home improvement loan loan Clearwater Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Clearwater Federal Credit Union lend?
Clearwater Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Montana.
Can I apply to Clearwater Federal Credit Union directly?
Yes. Clearwater Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Clearwater Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Clearwater Federal Credit Union treats applications, then get a rate quote from the lender.