West Community Credit Union
West Community Credit Union received 995 applications in 2025 and made 623 mortgages, in 39 counties across 9 states. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 940 decisions, 207 were denials — 22.0%, most often for debt-to-income ratio. 92 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300CCELEPUO4TOE73 |
|---|---|
| Applications received | 995 |
| Mortgages made | 623 |
| Denied | 207 |
| Approved, not taken up | 110 |
| Withdrawn or incomplete | 55 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.34 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 | 109 | 6.500% | $245,000 | 5.7% |
| Refinancing | 61 | 6.500% | $145,000 | 27.5% |
| Cash-out refinancing | 14 | 6.500% | $275,000 | 6.7% |
| Other purposes | 439 | 7.990% | $75,000 | 24.4% |
Where West Community Credit Union lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Charles County, MO | 212 | 7.490% | 15.5% |
| St. Louis County, MO | 206 | 6.990% | 18.7% |
| Boone County, MO | 68 | 6.500% | 19.0% |
| St. Louis city, MO | 43 | 7.990% | 19.7% |
| Jefferson County, MO | 20 | 7.990% | 12.5% |
| Lincoln County, MO | 19 | 6.990% | 9.1% |
| Franklin County, MO | 8 | Under 10 loans | 11.1% |
| Warren County, MO | 8 | Under 10 loans | 18.2% |
| Cole County, MO | 4 | Under 10 loans | 0.0% |
| Miller County, MO | 4 | Under 10 loans | 0.0% |
| Cooper County, MO | 3 | Under 10 loans | 40.0% |
| Callaway County, MO | 2 | Under 10 loans | 25.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Greene County, MO | 2 | Under 10 loans | 0.0% |
| Randolph County, MO | 2 | Under 10 loans | 50.0% |
| Benton County, AR | 1 | Under 10 loans | 50.0% |
| Jersey County, IL | 1 | Under 10 loans | 0.0% |
| Monroe County, IL | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Dent County, MO | 1 | Under 10 loans | 0.0% |
| Henry County, MO | 1 | Under 10 loans | 0.0% |
| Howard County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Perry County, MO | 1 | Under 10 loans | 0.0% |
| Pike County, MO | 1 | Under 10 loans | 0.0% |
| Ralls County, MO | 1 | Under 10 loans | 0.0% |
| Ste. Genevieve County, MO | 1 | Under 10 loans | 0.0% |
| Baldwin County, AL | 0 | Under 10 loans | 100.0% |
| Polk County, FL | 0 | Under 10 loans | Not published |
| Cook County, IL | 0 | Under 10 loans | 100.0% |
| Madison County, IL | 0 | Under 10 loans | 0.0% |
| St. Clair County, IL | 0 | Under 10 loans | 0.0% |
| Christian County, MO | 0 | Under 10 loans | 100.0% |
| Clay County, MO | 0 | Under 10 loans | 100.0% |
| Gasconade County, MO | 0 | Under 10 loans | Not published |
| Pettis County, MO | 0 | Under 10 loans | 100.0% |
| Saline County, MO | 0 | Under 10 loans | 100.0% |
| Stone County, MO | 0 | Under 10 loans | 100.0% |
| Garfield County, OK | 0 | Under 10 loans | Not published |
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When West Community Credit Union’s figures are published for the next year, or restated.
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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.