WESTERRA CREDIT UNION
WESTERRA CREDIT UNION received 1,659 applications in 2025 and made 931 mortgages, in 55 counties across 15 states. The median rate its borrowers got was 7.990% on a median loan of $145,000. Of 1,385 decisions, 403 were denials — 29.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GYQ8ZT1NUXRM52 |
|---|---|
| Applications received | 1,659 |
| Mortgages made | 931 |
| Denied | 403 |
| Approved, not taken up | 51 |
| Withdrawn or incomplete | 274 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.76 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 | 149 | 6.625% | $525,000 | 26.7% |
| Refinancing | 267 | 7.990% | $125,000 | 17.0% |
| Cash-out refinancing | 65 | 7.990% | $175,000 | 27.8% |
| Other purposes | 450 | 7.990% | $105,000 | 35.3% |
Where WESTERRA CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, CO | 269 | 7.990% | 18.6% |
| Denver County, CO | 175 | 7.990% | 31.7% |
| Arapahoe County, CO | 163 | 7.990% | 30.5% |
| Douglas County, CO | 119 | 7.990% | 22.7% |
| Adams County, CO | 78 | 7.990% | 39.3% |
| Boulder County, CO | 24 | 7.990% | 19.4% |
| Weld County, CO | 19 | 7.490% | 25.9% |
| Broomfield County, CO | 10 | 7.995% | 15.4% |
| El Paso County, CO | 10 | 7.250% | 57.7% |
| Larimer County, CO | 9 | Under 10 loans | 43.8% |
| Grand County, CO | 8 | Under 10 loans | 0.0% |
| Park County, CO | 8 | Under 10 loans | 33.3% |
| Elbert County, CO | 6 | Under 10 loans | 33.3% |
| Eagle County, CO | 5 | Under 10 loans | 25.0% |
| Clear Creek County, CO | 3 | Under 10 loans | 0.0% |
| Gilpin County, CO | 3 | Under 10 loans | 25.0% |
| Pueblo County, CO | 3 | Under 10 loans | 50.0% |
| Summit County, CO | 3 | Under 10 loans | 57.1% |
| Garfield County, CO | 2 | Under 10 loans | 50.0% |
| Lake County, CO | 2 | Under 10 loans | 33.3% |
| Mesa County, CO | 2 | Under 10 loans | 33.3% |
| Routt County, CO | 2 | Under 10 loans | 33.3% |
| Teller County, CO | 2 | Under 10 loans | 33.3% |
| Archuleta County, CO | 1 | Under 10 loans | 0.0% |
| Chaffee County, CO | 1 | Under 10 loans | 75.0% |
| Fremont County, CO | 1 | Under 10 loans | 50.0% |
| Gunnison County, CO | 1 | Under 10 loans | 0.0% |
| Huerfano County, CO | 1 | Under 10 loans | 50.0% |
| Morgan County, CO | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Contra Costa County, CA | 0 | Under 10 loans | 100.0% |
| Orange County, CA | 0 | Under 10 loans | 100.0% |
| Costilla County, CO | 0 | Under 10 loans | 100.0% |
| Custer County, CO | 0 | Under 10 loans | Not published |
| La Plata County, CO | 0 | Under 10 loans | 0.0% |
| Montrose County, CO | 0 | Under 10 loans | 100.0% |
| Otero County, CO | 0 | Under 10 loans | 100.0% |
| Ouray County, CO | 0 | Under 10 loans | 0.0% |
| San Juan County, CO | 0 | Under 10 loans | Not published |
| San Miguel County, CO | 0 | Under 10 loans | 100.0% |
| Yuma County, CO | 0 | Under 10 loans | 0.0% |
| Camden County, GA | 0 | Under 10 loans | 100.0% |
| DeKalb County, GA | 0 | Under 10 loans | 100.0% |
| Ogle County, IL | 0 | Under 10 loans | 100.0% |
| Harrison County, IA | 0 | Under 10 loans | 100.0% |
| Kenton County, KY | 0 | Under 10 loans | Not published |
| Powell County, KY | 0 | Under 10 loans | 100.0% |
| East Baton Rouge Parish, LA | 0 | Under 10 loans | 100.0% |
| Baltimore city, MD | 0 | Under 10 loans | 100.0% |
| Ramsey County, MN | 0 | Under 10 loans | 100.0% |
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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.