FIRST COMMUNITY CREDIT UNION
FIRST COMMUNITY CREDIT UNION received 831 applications in 2025 and made 645 mortgages, in 55 counties across 5 states. The median rate its borrowers got was 6.490% on a median loan of $175,000. Of 702 decisions, 57 were denials — 8.1%, most often for credit history.
| Legal Entity Identifier | 213800THW6KSUL191M34 |
|---|---|
| Applications received | 831 |
| Mortgages made | 645 |
| Denied | 57 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 129 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.145 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 395 | 6.250% | $225,000 | 3.2% |
| Refinancing | 99 | 6.750% | $95,000 | 9.2% |
| Cash-out refinancing | 15 | 6.000% | $225,000 | 0.0% |
| Other purposes | 136 | 6.990% | $55,000 | 20.0% |
Where FIRST COMMUNITY CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cass County, ND | 123 | 6.375% | 7.5% |
| Stutsman County, ND | 73 | 6.500% | 9.9% |
| Clay County, MN | 58 | 6.125% | 4.9% |
| Barnes County, ND | 48 | 6.625% | 7.7% |
| Grand Forks County, ND | 47 | 6.250% | 7.8% |
| Burleigh County, ND | 41 | 6.500% | 4.7% |
| Ramsey County, ND | 36 | 6.275% | 5.3% |
| Richland County, ND | 31 | 6.100% | 3.1% |
| Polk County, MN | 22 | 6.495% | 8.3% |
| Traill County, ND | 18 | 6.125% | 5.3% |
| Dickey County, ND | 15 | 6.490% | 11.8% |
| Otter Tail County, MN | 13 | 6.625% | 7.1% |
| Morton County, ND | 11 | 6.500% | 0.0% |
| McIntosh County, ND | 10 | 6.563% | 9.1% |
| Becker County, MN | 9 | Under 10 loans | 0.0% |
| Logan County, ND | 9 | Under 10 loans | 10.0% |
| Kidder County, ND | 6 | Under 10 loans | 14.3% |
| Eddy County, ND | 5 | Under 10 loans | 0.0% |
| LaMoure County, ND | 5 | Under 10 loans | 16.7% |
| Towner County, ND | 5 | Under 10 loans | 16.7% |
| McLean County, ND | 4 | Under 10 loans | 0.0% |
| Nelson County, ND | 4 | Under 10 loans | 20.0% |
| Ransom County, ND | 4 | Under 10 loans | 0.0% |
| Sargent County, ND | 4 | Under 10 loans | 20.0% |
| Steele County, ND | 4 | Under 10 loans | 0.0% |
| Wilkin County, MN | 3 | Under 10 loans | 40.0% |
| Cavalier County, ND | 3 | Under 10 loans | 0.0% |
| Roberts County, SD | 3 | Under 10 loans | 0.0% |
| Mohave County, AZ | 2 | Under 10 loans | 0.0% |
| Dakota County, MN | 2 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Marshall County, MN | 2 | Under 10 loans | 33.3% |
| Norman County, MN | 2 | Under 10 loans | 0.0% |
| Emmons County, ND | 2 | Under 10 loans | 0.0% |
| Griggs County, ND | 2 | Under 10 loans | 33.3% |
| Walsh County, ND | 2 | Under 10 loans | 50.0% |
| Wells County, ND | 2 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Hubbard County, MN | 1 | Under 10 loans | 0.0% |
| Kandiyohi County, MN | 1 | Under 10 loans | 0.0% |
| Morrison County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Traverse County, MN | 1 | Under 10 loans | 0.0% |
| Wright County, MN | 1 | Under 10 loans | 0.0% |
| Gallatin County, MT | 1 | Under 10 loans | 0.0% |
| Benson County, ND | 1 | Under 10 loans | 0.0% |
| Rolette County, ND | 1 | Under 10 loans | 66.7% |
| Sheridan County, ND | 1 | Under 10 loans | 0.0% |
| Williams County, ND | 1 | Under 10 loans | 0.0% |
| Brookings County, SD | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.