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Western Cooperative Credit Union

Williston, ND

Western Cooperative Credit Union processed 127 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 78 loans with a 1.6% denial rate. Home Purchase was the primary loan purpose. Based in Williston, ND. The approval rate of 61.4% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Western Cooperative Credit Union processed 127 HMDA-reported mortgage applications in 2024, originating 78 loans and denying 2 for a denial rate of 1.6% (applicants themselves withdrew 13 files before a decision). The average loan amount was $207,992 at a 6.459% average note rate, and applicants self-reported an average income of $33,000. The lender reports under LEI 549300OPWL6MYY9SXF04 from Williston, ND.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Western Cooperative Credit Union's 61.4% origination rate tells you how often an application turned into funded money; the 1.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Unverifiable information, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (65 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

127
Applications
78
Originated
1.6%
Denial Rate
$207,992
Avg Loan Amount
Avg Interest Rate: 6.459% Avg Applicant Income: $33,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 65 48 1 $165,615
FHA 37 20 1 $258,514
USDA 23 9 0 $236,304
VA 2 1 0 $325,000

Top loan types — Western Cooperative Credit Union

Top loan types — Western Cooperative Credit Union Horizontal bar chart of the top 4 items by value (applications). Top loan types — Western Cooperative Credit Union Top 4 1. Conventional 65 2. FHA 37 3. USDA 23 4. VA 2 Top 5 loan types by application volume at Western Cooperative Credit Union (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Western Cooperative Credit Union (LEI: 549300OPWL6MYY9SXF04) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Unverifiable information
1
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 85 39 $269,471
Home Improvement 23 23 $62,391
Refinancing 13 12 $73,462
Cash-out Refinancing 6 4 $186,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 103 64.1% 1.9%
Joint 7 57.1% 0.0%
Black or African American 6 50.0% 0.0%
Asian 2 50.0% 0.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 0.0%
American Indian or Alaska Native 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 108 68.5% 0.9%
Hispanic or Latino 4 25.0% 0.0%

Nearby Lenders in ND

Other HMDA-reporting lenders in ND with similar activity. Compare any two side-by-side.

Bell Bank

Fargo, ND

13,496 apps 10,872 originated 5.8% denied

Gate City Bank

Fargo, ND

4,682 apps 3,056 originated 10.3% denied

ALERUS FINANCIAL NA

GRAND FORKS, ND

2,632 apps 2,038 originated 6.6% denied

First International Bank & Trust

Minot, ND

1,791 apps 1,437 originated 6.6% denied

FIRST COMMUNITY CREDIT UNION

JAMESTOWN, ND

1,333 apps 512 originated 18.4% denied
Compare Western Cooperative Credit Union vs Bell Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Western Cooperative Credit Union process?
Western Cooperative Credit Union processed 127 mortgage applications in the 2023 HMDA reporting year. Of these, 78 were originated (approved and funded), 13 were withdrawn by the applicant, and 2 were denied.
What is Western Cooperative Credit Union's mortgage approval rate?
Western Cooperative Credit Union has an approval (origination) rate of 61.4%, meaning 61.4% of all applications resulted in a funded mortgage. The denial rate is 1.6%.
What is the average loan amount at Western Cooperative Credit Union?
The average mortgage loan amount at Western Cooperative Credit Union is $207,992. The average interest rate is 6.459%. The average applicant income is $33,000.
What are the most common reasons for mortgage denial at Western Cooperative Credit Union?
The most common reasons for mortgage denial at Western Cooperative Credit Union are: Unverifiable information, Other. In total, 2 applications were denied out of 127 total applications.
What types of mortgage loans does Western Cooperative Credit Union offer?
Western Cooperative Credit Union processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 65 applications and an average loan amount of $165,615.
What loan purposes does Western Cooperative Credit Union serve?
Western Cooperative Credit Union serves the following loan purposes: Home Purchase (85 applications), Home Improvement (23 applications), Refinancing (13 applications), Cash-out Refinancing (6 applications). Home Purchase is the most common purpose.
Where is Western Cooperative Credit Union located?
Western Cooperative Credit Union is headquartered in Williston, ND. The lender is identified by LEI 549300OPWL6MYY9SXF04 in HMDA data.
How does Western Cooperative Credit Union compare in lending across racial demographics?
Western Cooperative Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 64.1% and denial rate of 1.9%; Joint applicants have an approval rate of 57.1% and denial rate of 0.0%; Black or African American applicants have an approval rate of 50.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.