# FIRST COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/first-community-credit-union-nd


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIRST COMMUNITY CREDIT UNION is a credit union, headquartered in JAMESTOWN, ND, serving borrowers across 2 states, with 354 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 213800THW6KSUL191M34
- **Headquarters:** JAMESTOWN, ND
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, ND
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.162%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,292
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 354
- **Dollar Volume:** $74 million
- **Applications Received:** 1,056
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $208,588
- **Average Borrower Income:** $99,842
- **Average Property Value:** $283,023

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 282 | -0.106% | $2,345 | Strong 😀 |
| FHA | 66/100 | 45 | -0.285% | $1,754 | Strong 😀 |
| VA | 62/100 | 18 | -0.895% | $2,983 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 214 loans, Score: 60/100 (Strong)
- Refinance: 68 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 44 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 283 | $63M | -0.229% | Strong 😀 |
| Refinance | 63/100 | 71 | $11M | +0.124% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 288 | 3.93% | 87/100 |
| MN | 66 | 0.10% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 188 | 66/100 |
| Fargo, ND | ND-MN | 101 | 81/100 |
| Grand Forks, ND | ND-MN | 34 | 78/100 |
| Bismarck, ND | ND | 27 | 62/100 |

## Where This Lender Ranks

FIRST COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in North Dakota for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in North Dakota for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Fargo, ND for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Fargo, ND for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Fargo, ND for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in North Dakota Credit Unions
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in North Dakota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in North Dakota for USDA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Fargo, ND
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders)
- 🏆 **#6** in Fargo, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Fargo, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Grand Forks, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Fargo, ND for VA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Grand Forks, ND
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders)
- 🏆 **#8** in North Dakota for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Bismarck, ND
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders)
- 🏆 **#9** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Bismarck, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in North Dakota
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders)
- 🏆 **#11** in Grand Forks, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST COMMUNITY CREDIT UNION offer?

FIRST COMMUNITY CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST COMMUNITY CREDIT UNION offer mortgages?

FIRST COMMUNITY CREDIT UNION offers mortgages in 2 states: MN, ND.

### How competitive are FIRST COMMUNITY CREDIT UNION's mortgage rates?

FIRST COMMUNITY CREDIT UNION has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.162% below market average.

### What type of lender is FIRST COMMUNITY CREDIT UNION?

FIRST COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in JAMESTOWN, ND.

### What is FIRST COMMUNITY CREDIT UNION's loan approval success rate?

FIRST COMMUNITY CREDIT UNION has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-community-credit-union-nd

### How to Cite

> "FIRST COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-community-credit-union-nd

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