West Michigan Community Bank mortgage approval rate & lending review
West Michigan Community Bank decided 314 mortgage applications and funded 289 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions West Michigan Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
West Michigan Community Bank at a glance
Approval is 9.2 points above the 84.8% 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 | 96% | 211 / 220 | 99% | $285K | 208 |
| Investment property purchase | 95% | 35 / 37 | 97% | $285K | 34 |
West Michigan Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 94% | $285K | 314 | 289 |
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 Michigan Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ottawa County, MI | Mortgage lenders | 96% | 123 | 115 |
| Kent County, MI | Mortgage lenders | 96% | 53 | 51 |
| Allegan County, MI | Mortgage lenders | 94% | 35 | 33 |
The county markets where West Michigan Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about West Michigan Community Bank
What is West Michigan Community Bank's mortgage approval rate?
West Michigan Community Bank approved 93.9% of the 314 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan West Michigan Community Bank offers?
Borrowers accepted 98% of the loans West Michigan Community Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does West Michigan Community Bank make?
The typical home purchase mortgage loan West Michigan Community Bank made was $285K; across all loan types its typical loan ran from $285K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does West Michigan Community Bank lend?
West Michigan Community Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to West Michigan Community Bank directly?
Yes. West Michigan Community Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show West Michigan Community Bank'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 Michigan Community Bank treats applications, then get a rate quote from the lender.