TOWN AND COUNTRY Credit Union
TOWN AND COUNTRY Credit Union received 675 applications in 2025 and made 547 mortgages, in 41 counties across 7 states. The median rate its borrowers got was 6.375% on a median loan of $215,000. Of 565 decisions, 18 were denials — 3.2%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493000JZXUB8NOEMF64 |
|---|---|
| Applications received | 675 |
| Mortgages made | 547 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 110 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1185 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 | 363 | 6.125% | $255,000 | 0.8% |
| Refinancing | 14 | 6.687% | $200,000 | 22.2% |
| Cash-out refinancing | 164 | 6.745% | $75,000 | 6.3% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where TOWN AND COUNTRY Credit Union lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ward County, ND | 217 | 6.240% | 0.5% |
| Cass County, ND | 187 | 6.450% | 4.6% |
| Clay County, MN | 49 | 6.500% | 5.8% |
| Mountrail County, ND | 15 | 5.875% | 0.0% |
| Renville County, ND | 9 | Under 10 loans | 0.0% |
| McHenry County, ND | 8 | Under 10 loans | 0.0% |
| Richland County, ND | 7 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 6 | Under 10 loans | 14.3% |
| Bottineau County, ND | 6 | Under 10 loans | 0.0% |
| Burleigh County, ND | 5 | Under 10 loans | 0.0% |
| Becker County, MN | 3 | Under 10 loans | 25.0% |
| McLean County, ND | 3 | Under 10 loans | 40.0% |
| Roberts County, SD | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Wilkin County, MN | 2 | Under 10 loans | 0.0% |
| Burke County, ND | 2 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Fayette County, IA | 1 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Mahnomen County, MN | 1 | Under 10 loans | 0.0% |
| Norman County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Polk County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Wadena County, MN | 1 | Under 10 loans | 0.0% |
| Barnes County, ND | 1 | Under 10 loans | 0.0% |
| Foster County, ND | 1 | Under 10 loans | 0.0% |
| McKenzie County, ND | 1 | Under 10 loans | 0.0% |
| Mercer County, ND | 1 | Under 10 loans | 0.0% |
| Steele County, ND | 1 | Under 10 loans | 0.0% |
| Traill County, ND | 1 | Under 10 loans | 0.0% |
| Wells County, ND | 1 | Under 10 loans | 0.0% |
| Williams County, ND | 1 | Under 10 loans | 0.0% |
| Marshall County, SD | 1 | Under 10 loans | 0.0% |
| Minnehaha County, SD | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 0 | Under 10 loans | 100.0% |
| Flathead County, MT | 0 | Under 10 loans | Not published |
| Eddy County, ND | 0 | Under 10 loans | Not published |
| Ransom County, ND | 0 | Under 10 loans | Not published |
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When TOWN AND COUNTRY Credit Union’s figures are published for the next year, or restated.
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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.