Applications / Mortgage Analytics / Lenders / North Dakota / Western Cooperative Credit Union
Williston, ND · Credit union · NCUA · $501 million assets · 88 loans in 2025
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88
loans originated, 2025
109
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Western Cooperative Credit Union, a North Dakota lender, leans on government-backed and home-improvement loans in a way few credit unions its size do.
A quarter of its 88 loans, 25.0%, were insured by the Federal Housing Administration (FHA), and 6.8% were guaranteed by the Agriculture Department's Rural Housing Service (RHS). The typical similar lender, a credit union making between half and twice as many loans, made none of either. Only 65.9% of its loans were conventional, among the lowest shares of its peers. Its RHS share has fallen from 25.0% in 2020.
Home purchases made up 43.2% of its loans and home improvement 36.4%. Its typical loan was $130,000, against $95,000 at similar lenders. Its typical rate, 6.25%, was lower than at about four in five of them.
Its loans rose 13% in 2025, from 78 to 88, a little faster than similar lenders' 7%. But it made 136 loans in 2018 and fewer each year after, until 2025. It ranks 16th of 191 lenders in non-metro North Dakota, where it has lent since 1993.
Just 17.1% of its loans went to low- and moderate-income (LMI) borrowers, against 30.4% at similar lenders, down from 26.9% a year earlier. None went to LMI neighborhoods. Few such neighborhoods in the counties it serves, or local incomes, are possible reasons; the data do not show which.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Western Cooperative Credit Union took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.2% · Home improvement 36.4% · Refinance 20.5%
Conventional 65.9% · FHA 25.0% · USDA (RHS or FSA) 6.8% · VA 2.3% · of 88 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Dakota | 88 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bismarck | 1 |
| Fargo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OPWL6MYY9SXF04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 965396 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561758 | 1993–2017 |
Established 1 January 1938. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Western Cooperative Credit Union's data.
Western Cooperative Credit Union's data
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Western Cooperative Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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