# WESTERN COOPERATIVE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/western-cooperative-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


WESTERN COOPERATIVE CREDIT UNION is a credit union, headquartered in Williston, ND, with 52 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300OPWL6MYY9SXF04
- **Headquarters:** Williston, ND
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ND
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.5%
- **Brokered/Wholesale:** 1.5%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.051%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,544
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 52
- **Dollar Volume:** $12 million
- **Applications Received:** 65
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $231,154
- **Average Borrower Income:** $135,019
- **Average Property Value:** $275,385

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 22 | +0.289% | $1,698 | Acceptable 🙂 |
| FHA | 57/100 | 20 | +0.028% | $2,956 | Sound ☺️ |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 39 | $11M | +0.014% | Acceptable 🙂 |
| Refinance | 37/100 | 13 | $1M | +0.156% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 52 | 0.71% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 49 | 54/100 |

## Where This Lender Ranks

WESTERN COOPERATIVE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in North Dakota for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#5** in North Dakota Credit Unions
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in North Dakota for USDA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in North Dakota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#20** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does WESTERN COOPERATIVE CREDIT UNION offer?

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

### Where does WESTERN COOPERATIVE CREDIT UNION offer mortgages?

WESTERN COOPERATIVE CREDIT UNION offers mortgages in 1 states: ND.

### How competitive are WESTERN COOPERATIVE CREDIT UNION's mortgage rates?

WESTERN COOPERATIVE CREDIT UNION has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.051% above market average.

### What type of lender is WESTERN COOPERATIVE CREDIT UNION?

WESTERN COOPERATIVE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Williston, ND.

### What is WESTERN COOPERATIVE CREDIT UNION's loan approval success rate?

WESTERN COOPERATIVE CREDIT UNION has a pull-through score of 46/100 (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/western-cooperative-credit-union

### How to Cite

> "WESTERN COOPERATIVE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/western-cooperative-credit-union

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