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TOWN AND COUNTRY Credit Union
Credit Union|Minot, ND|Multi-Region
Loans Originated
403
Applications
508
Volume
$107 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.085%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,859
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
TOWN AND COUNTRY Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 3 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$267,804
Average Borrower Income
$116,744
Average Property Value
$323,710
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 228 | 56.6% | +0.034% | $3,279 |
FHA Loans | Strong | Strong | Strong | Exceptional | 90 | 22.3% | +0.036% | $3,089 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 80 | 19.9% | -0.655% | $963 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Exceptional | 377 | 93.5% | -0.095% | $2,825 |
Refinance | Sound | Sound | N/A | Sound | 26 | 6.5% | +0.027% | $3,247 |
Geographic Coverage
Metro Areas
2
States Served
10
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
AZFLIAMNMTNDORSDTXWY
Top Metro Areas by Place Specialization Score
1
Minot, ND, NDMSA
Volume: 148Mix: 36.72%
Place Specialization
Exceptional
2
Fargo, ND, ND-MNMSA
Volume: 191Mix: 47.39%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
NDState
Volume: 330Mix: 81.89%
Place Specialization
Exceptional
2
MNState
Volume: 65Mix: 16.13%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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