West Community Credit Union mortgage approval rate & lending review
West Community Credit Union decided 1,001 mortgage applications and funded 696 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions West Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
West Community Credit Union at a glance
Approval is 12.3 points above the 71.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 241 / 260 | 85% | $245K | 204 |
| Home improvement loans | 83% | 425 / 514 | 84% | $75K | 355 |
| Refinance | 73% | 113 / 154 | 73% | $105K | 83 |
| Investment home improvement | 65% | 24 / 37 | 88% | $55K | 21 |
West Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 84% | $75K | 981 | 686 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where West Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Charles County, MO | Home improvement loans | 88% | 279 | 213 |
| Boone County, MO | Mortgage lenders | 94% | 140 | 116 |
| St. Charles County, MO | Refinance | 70% | 86 | 52 |
| St. Charles County, MO | Mortgage lenders | 92% | 60 | 45 |
| St. Louis County, MO | Home improvement loans | 80% | 69 | 42 |
| St. Louis city, MO | Home improvement loans | 80% | 69 | 42 |
| Boone County, MO | Home improvement loans | 64% | 50 | 26 |
| Boone County, MO | Refinance | 93% | 27 | 16 |
| Jefferson County, MO | Home improvement loans | 82% | 22 | 16 |
| St. Louis County, MO | Mortgage lenders | 91% | 22 | 15 |
| St. Louis city, MO | Mortgage lenders | 91% | 22 | 15 |
The county markets where West Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about West Community Credit Union
What is West Community Credit Union's mortgage approval rate?
West Community Credit Union approved 83.7% of the 1,001 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.3 points above the 71.4% national rate for the same mix of loan types.
How often do borrowers take the loan West Community Credit Union offers?
Borrowers accepted 83% of the loans West Community Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does West Community Credit Union make?
The typical home improvement loan loan West Community Credit Union made was $75K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does West Community Credit Union lend?
West Community Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Arkansas.
Can I apply to West Community Credit Union directly?
Yes. West Community Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show West Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how West Community Credit Union treats applications, then get a rate quote from the lender.