Community West Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
78th16.4% deniedPricingmedian rate spread over APOR, weight 30%
61st-0.06 ptsProcesswithdrawn + incomplete share, weight 15%
16th19.8%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.66% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 274 | 129 | 22.6% | 32.5% | 8.00% | $13M |
| 2024 | 230 | 126 | 17.8% | 24.6% | 8.00% | $11M |
| 2025 | 182 | 122 | 13.2% | 16.4% | 7.00% | $12M |
What Community West Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 94 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 1 investment properties.
Why Community West Credit Union denies applications
Primary reason reported for each of the 24 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community West Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 23 | 14.8% |
| $50k – $100k | 64 | 53 | 8.6% |
| $100k – $150k | 45 | 32 | 13.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 13 | 31.6% |
| 35–44 | 32 | 21 | 19.2% |
| 45–54 | 43 | 35 | 10.3% |
| 55–64 | 34 | 22 | 21.4% |
| 65–74 | 26 | 20 | 9.1% |
Where Community West Credit Union lends
2 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 166 | 122 | 10.8% | 7.00% | #227 |
Frequently asked questions
Community West Credit Union denied 16.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of home-equity (HELOC) lenders.
The most common reason Community West Credit Union gave in 2025 was "credit history", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Community West Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was -0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 7% for refinancing (including cash-out), and 71% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.