# TOWN AND COUNTRY Credit Union

> **Canonical URL:** https://saferate.com/lenders/town-and-country-credit-union


> **📋 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


TOWN AND COUNTRY Credit Union is a credit union, headquartered in Minot, ND, serving borrowers across 10 states, with 403 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 14% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493000JZXUB8NOEMF64
- **Headquarters:** Minot, ND
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, FL, IA, MN, MT, ND, OR, SD, TX, WY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.085%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,859
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 403
- **Dollar Volume:** $108 million
- **Applications Received:** 508
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $267,804
- **Average Borrower Income:** $116,744
- **Average Property Value:** $323,710

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 228 | +0.034% | $3,279 | Strong 😀 |
| FHA | 72/100 | 90 | +0.036% | $3,089 | Strong 😀 |
| VA | 75/100 | 80 | -0.655% | $963 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 203 loans, Score: 68/100 (Strong)
- Refinance: 25 loans, Score: 53/100 (Sound)

**FHA:**
- Purchase: 90 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 79 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 377 | $102M | -0.095% | Strong 😀 |
| Refinance | 52/100 | 26 | $6M | +0.027% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 330 | 4.50% | 88/100 |
| MN | 65 | 0.10% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fargo, ND | ND-MN | 191 | 91/100 |
| Minot, ND | ND | 148 | 100/100 |
| Non |  | 48 | 43/100 |

## Where This Lender Ranks

TOWN AND COUNTRY Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in North Dakota Credit Unions
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in North Dakota for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in North Dakota for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Fargo, ND for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Fargo, ND for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Fargo, ND for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Minot, ND for VA Loans
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/va-loans)
- 🥈 **#2** in North Dakota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in North Dakota for VA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Fargo, ND for VA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Minot, ND
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders)
- 🥈 **#2** in Minot, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Fargo, ND
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders)
- 🥉 **#3** in Fargo, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Minot, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in North Dakota
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders)
- 🏆 **#5** in Fargo, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in North Dakota for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does TOWN AND COUNTRY Credit Union offer?

TOWN AND COUNTRY 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 TOWN AND COUNTRY Credit Union offer mortgages?

TOWN AND COUNTRY Credit Union offers mortgages in 10 states: AZ, FL, IA, MN, MT, ND, OR, SD, TX, WY.

### How competitive are TOWN AND COUNTRY Credit Union's mortgage rates?

TOWN AND COUNTRY Credit Union has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.085% below market average.

### What type of lender is TOWN AND COUNTRY Credit Union?

TOWN AND COUNTRY Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Minot, ND.

### What is TOWN AND COUNTRY Credit Union's loan approval success rate?

TOWN AND COUNTRY Credit Union has a pull-through score of 86/100 (Exceptional). 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/town-and-country-credit-union

### How to Cite

> "TOWN AND COUNTRY Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/town-and-country-credit-union

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