Applications / Mortgage Analytics / Lenders / North Dakota / Dakota West Credit Union
Watford City, ND · Credit union · NCUA · $336 million assets · 8 loans in 2025
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8
loans originated, 2025
47
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dakota West Credit Union, with $336 million in assets, files very few home loans: eight in 2025, too few to compare with similar lenders.
It first reported in 2023, with 14 loans, and made 14 again in 2024. Similar lenders, credit unions making between half and twice as many loans, typically made 13 in 2025. Years before 2023 without a report are gaps in the record, not years without lending.
With eight loans, its shares of lending to lower-income borrowers, in poorer neighborhoods or at higher prices rest on a few loans or none. Its typical loan size and rate rest on the same handful. None of those figures says much about how it lends compared with its peers.
Its lending is in three counties of North Dakota. Bismarck is the one metro area where it lent, and there it ranked 136 of 145 lenders. Gate City Bank leads both Bismarck and non-metro North Dakota. Purchases outnumbered refinances, but on eight loans the mix tells little.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Dakota West Credit Union took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.5% · Refinance 37.5%
Conventional 100.0% · of 8 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 | 8 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bismarck | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N5XAMERUPUAQ72 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 629791 | 2023–2023 |
Established 1 January 1941. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Dakota West Credit Union's data.
Dakota West Credit Union's data
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Dakota West 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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