WESTERN COOPERATIVE CREDIT UNION
WESTERN COOPERATIVE CREDIT UNION received 107 applications in 2025 and made 88 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $130,000. Of 91 decisions, 3 were denials — 3.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300OPWL6MYY9SXF04 |
|---|---|
| Applications received | 107 |
| Mortgages made | 88 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2945 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 | 38 | 6.138% | $235,000 | 7.3% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 12 | 6.950% | $90,000 | 0.0% |
| Other purposes | 32 | 6.700% | $65,000 | 0.0% |
Where WESTERN COOPERATIVE CREDIT UNION lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stark County, ND | 40 | 6.700% | 2.4% |
| Williams County, ND | 37 | 6.100% | 5.1% |
| Golden Valley County, ND | 3 | Under 10 loans | 0.0% |
| Hettinger County, ND | 3 | Under 10 loans | 0.0% |
| Cass County, ND | 1 | Under 10 loans | 0.0% |
| Divide County, ND | 1 | Under 10 loans | 0.0% |
| Dunn County, ND | 1 | Under 10 loans | 0.0% |
| Grant County, ND | 1 | Under 10 loans | 0.0% |
| Morton County, ND | 1 | Under 10 loans | 0.0% |
| McKenzie County, ND | 0 | Under 10 loans | Not published |
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When WESTERN COOPERATIVE 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.