West Community 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%
57th22.0% deniedPricingmedian rate spread over APOR, weight 30%
30th0.34 ptsProcesswithdrawn + incomplete share, weight 15%
86th5.5%Closing coststotal loan costs ÷ loan amount, weight 10%
59th2.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 882 | 589 | 17.9% | 18.0% | 8.99% | $69M |
| 2024 | 919 | 548 | 22.7% | 23.7% | 8.49% | $70M |
| 2025 | 995 | 623 | 20.8% | 22.0% | 6.99% | $87M |
What West Community 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: 707 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 43 investment properties.
Why West Community Credit Union denies applications
Primary reason reported for each of the 207 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at West Community 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 | 72 | 29 | 50.0% |
| $50k – $100k | 289 | 151 | 31.3% |
| $100k – $150k | 236 | 155 | 17.0% |
| $150k – $250k | 231 | 172 | 16.0% |
| Over $250k | 162 | 113 | 10.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 129 | 89 | 13.2% |
| 35–44 | 253 | 157 | 25.4% |
| 45–54 | 295 | 185 | 20.6% |
| 55–64 | 179 | 113 | 23.3% |
| 65–74 | 91 | 53 | 25.0% |
| Over 74 | 32 | 15 | 31.0% |
Where West Community Credit Union lends
8 states and 38 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
West Community Credit Union denied 22.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of home-equity (HELOC) lenders.
The most common reason West Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 44.4% 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 West Community Credit Union originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 14% for refinancing (including cash-out), and 70% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.