West Michigan Community Bank
West Michigan Community Bank received 165 applications in 2025 and made 135 mortgages, in 18 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $285,000. Of 149 decisions, 11 were denials — 7.4%.
| Legal Entity Identifier | 549300FN26DK7DGUPD51 |
|---|---|
| Applications received | 165 |
| Mortgages made | 135 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: West Michigan Community Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 102 | Not published | $305,000 | 4.6% |
| Refinancing | 17 | Not published | $265,000 | 10.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 11.1% |
Where West Michigan Community Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ottawa County, MI | 63 | Not published | 8.5% |
| Kent County, MI | 31 | Not published | 3.1% |
| Allegan County, MI | 19 | Not published | 13.0% |
| Muskegon County, MI | 6 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 3 | Under 10 loans | 0.0% |
| Oceana County, MI | 2 | Under 10 loans | 0.0% |
| Alger County, MI | 1 | Under 10 loans | 0.0% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Montcalm County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Wexford County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 0 | Under 10 loans | 100.0% |
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When West Michigan Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.