West Community Credit Union in Missouri vs the state
20.5%Denial rate+5.40 pts vs state
21.7%Decision denial rate+2.96 pts vs state
63.0%Origination rate+0.37 pts vs state
6.99%Median rate+0.37 pts vs state
0.34Rate spread (pts)-0.01 pts vs state
$125kMedian applicant income
619Loans originated
201Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 863 | 578 | 17.6% | 8.99% | #51 |
| 2024 | 900 | 542 | 22.1% | 8.49% | #52 |
| 2025 | 982 | 619 | 20.5% | 6.99% | #52 |
What West Community Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most West Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 322 | 206 | 59 | 18.3% |
| St. Charles County | 287 | 212 | 43 | 15.0% |
| Boone County | 118 | 68 | 18 | 15.3% |
| St. Louis city | 65 | 43 | 12 | 18.5% |
| Jefferson County | 25 | 20 | 3 | 12.0% |
| Lincoln County | 22 | 19 | 2 | 9.1% |
| Warren County | 11 | 8 | 2 | 18.2% |
| Franklin County | 9 | 8 | 1 | 11.1% |
| Randolph County | 7 | 2 | 2 | 28.6% |
| Miller County | 5 | 4 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 982 applications in 2025, of which 619 were originated and 201 denied.
20.5% of all applications, or 21.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans West Community Credit Union originated in Missouri in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are West Community Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology