West Michigan Credit Union
West Michigan Credit Union received 200 applications in 2025 and made 108 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $45,000. Of 196 decisions, 66 were denials — 33.7%, most often for debt-to-income ratio. 48 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900TJCZAM25V2WZ38 |
|---|---|
| Applications received | 200 |
| Mortgages made | 108 |
| Denied | 66 |
| Approved, not taken up | 22 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.512 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 | 10 | 7.125% | $215,000 | 37.5% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Cash-out refinancing | 28 | 7.500% | $55,000 | 40.0% |
| Other purposes | 67 | 7.250% | $35,000 | 24.8% |
Where West Michigan Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, MI | 43 | 7.250% | 26.2% |
| Mecosta County, MI | 27 | 7.250% | 27.9% |
| Ottawa County, MI | 12 | 7.375% | 39.1% |
| Osceola County, MI | 6 | Under 10 loans | 47.1% |
| Newaygo County, MI | 4 | Under 10 loans | 42.9% |
| Lake County, MI | 3 | Under 10 loans | 60.0% |
| Manistee County, MI | 3 | Under 10 loans | 25.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Wexford County, MI | 2 | Under 10 loans | 50.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 50.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 33.3% |
| Montcalm County, MI | 1 | Under 10 loans | 0.0% |
| Schoolcraft County, MI | 1 | Under 10 loans | 0.0% |
| Alger County, MI | 0 | Under 10 loans | Not published |
| Barry County, MI | 0 | Under 10 loans | 100.0% |
| Isabella County, MI | 0 | Under 10 loans | 0.0% |
| Jackson County, MI | 0 | Under 10 loans | 100.0% |
| Kalkaska County, MI | 0 | Under 10 loans | 100.0% |
| Leelanau County, MI | 0 | Under 10 loans | 100.0% |
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When West Michigan 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.