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WESTERN COOPERATIVE CREDIT UNION
Credit Union|Williston, ND|Single State
Loans Originated
52
Applications
65
Volume
$12 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.051%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,544
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.0%
Percentage of applications that result in closed loans
Report Card
WESTERN COOPERATIVE CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Single State · 1 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$231,154
Average Borrower Income
$135,019
Average Property Value
$275,385
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | N/A | Sound | 22 | 42.3% | +0.289% | $1,698 |
FHA Loans | Strong | Sound | Strong | Strong | 20 | 38.5% | +0.028% | $2,956 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Acceptable | Sound | Sound | 39 | 75.0% | +0.014% | $3,394 |
Refinance | Acceptable | Acceptable | N/A | N/A | 13 | 25.0% | +0.156% | $149 |
Geographic Coverage
Metro Areas
0
States Served
1
We count Washington DC as a state
Avg Place Specialization
N/A
States with Loan Originations
ND
Top States by Place Specialization Score
1
NDState
Volume: 52Mix: 100.00%
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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