# WESTERRA CREDIT UNION

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


WESTERRA CREDIT UNION is a credit union, headquartered in Denver, CO, with 206 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GYQ8ZT1NUXRM52
- **Headquarters:** Denver, CO
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.150%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,963
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 206
- **Dollar Volume:** $118 million
- **Applications Received:** 359
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $571,068
- **Average Borrower Income:** $229,626
- **Average Property Value:** $828,058

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 158 | +0.145% | $1,877 | Sound ☺️ |
| Jumbo | 73/100 | 43 | +0.142% | $2,465 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 114 loans, Score: 39/100 (Acceptable)
- Refinance: 44 loans, Score: 48/100 (Sound)

**Jumbo:**
- Purchase: 40 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 158 | $99M | +0.144% | Sound ☺️ |
| Refinance | 47/100 | 48 | $19M | +0.170% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 206 | 0.25% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 164 | 77/100 |
| Boulder, CO | CO | 15 | 51/100 |
| Non |  | 11 | 24/100 |

## Where This Lender Ranks

WESTERRA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Colorado Credit Unions
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Colorado for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Colorado for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Denver Credit Unions
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Denver for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Denver for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Boulder, CO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does WESTERRA CREDIT UNION offer?

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

### Where does WESTERRA CREDIT UNION offer mortgages?

WESTERRA CREDIT UNION offers mortgages in 1 states: CO.

### How competitive are WESTERRA CREDIT UNION's mortgage rates?

WESTERRA CREDIT UNION has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.150% above market average.

### What type of lender is WESTERRA CREDIT UNION?

WESTERRA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Denver, CO.

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

WESTERRA CREDIT UNION has a pull-through score of 44/100 (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/westerra-credit-union

### How to Cite

> "WESTERRA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/westerra-credit-union

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