West Michigan Community Bank in Michigan vs the state
6.7%Denial rate-11.85 pts vs state
7.4%Decision denial rate-15.20 pts vs state
81.8%Origination rate+21.93 pts vs state
—Median rate
—Rate spread (pts)
$119kMedian applicant income
135Loans originated
11Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 124 | 4.0% | — | #218 |
| 2024 | 133 | 105 | 3.0% | — | #241 |
| 2025 | 165 | 135 | 6.7% | — | #232 |
What West Michigan Community Bank lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most West Michigan Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ottawa County | 79 | 63 | 6 | 7.6% |
| Kent County | 36 | 31 | 1 | 2.8% |
| Allegan County | 25 | 19 | 3 | 12.0% |
| Muskegon County | 6 | 6 | 0 | 0.0% |
| Kalamazoo County | 4 | 3 | 0 | 0.0% |
| Montcalm County | 2 | 1 | 0 | 0.0% |
| Oceana County | 2 | 2 | 0 | 0.0% |
| Emmet County | 1 | 1 | 0 | 0.0% |
| Newaygo County | 1 | 0 | 1 | 100.0% |
| Cheboygan County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 165 applications in 2025, of which 135 were originated and 11 denied.
6.7% of all applications, or 7.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are West Michigan Community Bank's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology