Western Cooperative Credit Union in North Dakota vs the state
2.8%Denial rate-8.64 pts vs state
3.3%Decision denial rate-10.42 pts vs state
82.2%Origination rate+12.55 pts vs state
6.25%Median rate-0.25 pts vs state
0.30Rate spread (pts)+0.05 pts vs state
$120kMedian applicant income
88Loans originated
3Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 101 | 5.0% | 6.38% | #30 |
| 2024 | 92 | 78 | 2.2% | 6.45% | #44 |
| 2025 | 107 | 88 | 2.8% | 6.25% | #45 |
What Western Cooperative Credit Union lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Western Cooperative Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 49 | 40 | 1 | 2.0% |
| Williams County | 46 | 37 | 2 | 4.3% |
| Golden Valley County | 3 | 3 | 0 | 0.0% |
| Hettinger County | 3 | 3 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Divide County | 1 | 1 | 0 | 0.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Dunn County | 1 | 1 | 0 | 0.0% |
| McKenzie County | 1 | 0 | 0 | 0.0% |
| Grant County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 107 applications in 2025, of which 88 were originated and 3 denied.
2.8% of all applications, or 3.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Western Cooperative Credit Union originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Western Cooperative Credit Union's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology