West Michigan Community Bank 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
61st7.4% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 151 | 124 | 4.0% | 4.5% | — | $89M |
| 2024 | 133 | 105 | 3.0% | 3.7% | — | $92M |
| 2025 | 165 | 135 | 6.7% | 7.4% | — | $53M |
What West Michigan Community Bank 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 25 investment properties.
Who gets approved at West Michigan Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 47 | 39 | 7.1% |
| $100k – $150k | 32 | 27 | 3.5% |
| $150k – $250k | 27 | 19 | 4.8% |
| Over $250k | 27 | 23 | 4.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 35 | 2.8% |
| 35–44 | 38 | 27 | 14.7% |
| 45–54 | 28 | 23 | 11.5% |
Where West Michigan Community Bank lends
1 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 165 | 135 | 6.7% | — | #232 |
Frequently asked questions
West Michigan Community Bank denied 7.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of small mortgage lenders.
In 2025, 72% of its applications were for home purchases, 21% for refinancing (including cash-out), and 7% 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.