West Community Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
West Community Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | West Community Credit Union 4161 State Hwy K O'fallon, MO 63368 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,333 |
| Total Mortgage Loan Application Amount | $159,765,000 |
| Average Mortgage Loan Application Amount | $148,600 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $145,400 |
| Highest Applicant Income | $1,700,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with West Community Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing West Community Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down West Community Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how West Community Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by West Community Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at West Community Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 538 | $ 65,440,000 | $ 121,000 | $ 182,000 |
| St. Charles County Missouri | 356 | $ 36,850,000 | $ 103,000 | $ 172,000 |
| St. Louis City County Missouri | 90 | $ 8,180,000 | $ 90,000 | $ 150,000 |
| Boone County Missouri | 72 | $ 12,890,000 | $ 179,000 | $ 121,000 |
| Jefferson County Missouri | 46 | $ 4,540,000 | $ 98,000 | $ 162,000 |
| Lincoln County Missouri | 41 | $ 3,955,000 | $ 96,000 | $ 140,000 |
| Warren County Missouri | 15 | $ 1,455,000 | $ 97,000 | $ 123,000 |
| Madison County Illinois | 13 | $ 1,075,000 | $ 82,000 | $ 129,000 |
| St. Clair County Illinois | 12 | $ 1,100,000 | $ 91,000 | $ 159,000 |
| Franklin County Missouri | 9 | $ 1,065,000 | $ 118,000 | $ 119,000 |
| Callaway County Missouri | 5 | $ 735,000 | $ 147,000 | $ 75,000 |
| Cooper County Missouri | 5 | $ 1,235,000 | $ 247,000 | $ 93,000 |
| Audrain County Missouri | 3 | $ 165,000 | $ 55,000 | $ 234,000 |
| Camden County Missouri | 3 | $ 625,000 | $ 208,000 | $ 105,000 |
| St. Francois County Missouri | 3 | $ 355,000 | $ 118,000 | $ 72,000 |
| Monroe County Illinois | 2 | $ 80,000 | $ 40,000 | $ 167,000 |
| Cole County Missouri | 2 | $ 470,000 | $ 235,000 | $ 134,000 |
| Jackson County Missouri | 2 | $ 260,000 | $ 130,000 | $ 197,000 |
| Pike County Missouri | 2 | $ 330,000 | $ 165,000 | $ 144,000 |
| Randolph County Missouri | 2 | $ 110,000 | $ 55,000 | $ 35,000 |
| Ste. Genevieve County Missouri | 2 | $ 380,000 | $ 190,000 | $ 71,000 |
| Outagamie County Wisconsin | 2 | $ 870,000 | $ 435,000 | $ 170,000 |
| Chaffee County Colorado | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Franklin County Georgia | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| Johnson County Kansas | 1 | $ 65,000 | $ 65,000 | $ 167,000 |
| Christian County Missouri | 1 | $ 205,000 | $ 205,000 | $ 400,000 |
| Crawford County Missouri | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Gasconade County Missouri | 1 | $ 75,000 | $ 75,000 | $ 570,000 |
| Howard County Missouri | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Moniteau County Missouri | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Montgomery County Missouri | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Morgan County Missouri | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Nodaway County Missouri | 1 | $ 135,000 | $ 135,000 | $ 174,000 |
| Pettis County Missouri | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Ralls County Missouri | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Taney County Missouri | 1 | $ 485,000 | $ 485,000 | $ 212,000 |
| Wright County Missouri | 1 | $ 645,000 | $ 645,000 | $ 201,000 |
| Fairfax County Virginia | 1 | $ 175,000 | $ 175,000 | $ 585,000 |
Mortgage Loan Application Detail Totals for West Community Credit Union in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 725 | $62,895,000 | $86,000 | $605,000 | $180,000 | $1,700,000 |
| Home Purchase | 314 | $58,290,000 | $185,000 | $805,000 | $144,000 | $1,042,000 |
| Refinancing | 247 | $35,355,000 | $143,000 | $645,000 | $142,000 | $1,358,000 |
| Other Purpose | 46 | $2,960,000 | $64,000 | $295,000 | $129,000 | $550,000 |
| Cash-out Refinancing | 1 | $265,000 | $265,000 | $265,000 | $132,000 | $132,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,123 | $131,465,000 | $117,000 | $655,000 | $170,000 | $1,700,000 |
| Black or African American | 102 | $12,630,000 | $123,000 | $645,000 | $90,000 | $635,000 |
| Hispanic | 40 | $5,050,000 | $126,000 | $375,000 | $176,000 | $910,000 |
| Not Provided | 36 | $5,130,000 | $142,000 | $365,000 | $126,000 | $1,080,000 |
| Asian | 24 | $4,730,000 | $197,000 | $805,000 | $170,000 | $602,000 |
| American Indian or Alaskan Native | 4 | $550,000 | $137,000 | $255,000 | $224,000 | $636,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $130,000 | $65,000 | $75,000 | $71,000 | $72,000 |
| Not applicable | 2 | $80,000 | $40,000 | $45,000 | $121,000 | $148,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,318 | $157,240,000 | $119,000 | $805,000 | $164,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,725,000 | $156,000 | $225,000 | $47,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $270,000 | $135,000 | $135,000 | $75,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 2 | $530,000 | $265,000 | $275,000 | $90,000 | $96,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 946 | $107,880,000 | $114,000 | $645,000 | $175,000 | $1,042,000 |
| Application Withdrawn By Applicant | 201 | $27,825,000 | $138,000 | $645,000 | $160,000 | $1,700,000 |
| Application Denied By Financial Institution | 129 | $12,125,000 | $93,000 | $435,000 | $110,000 | $752,000 |
| Preapproval Approved but not Accepted | 35 | $8,155,000 | $233,000 | $805,000 | $105,000 | $602,000 |
| Preapproval Denied by Financial Institution | 19 | $3,315,000 | $174,000 | $325,000 | $71,000 | $159,000 |
| Application Approved But Not Accepted | 2 | $250,000 | $125,000 | $195,000 | $101,000 | $115,000 |
| File Closed For Incompleteness | 1 | $215,000 | $215,000 | $215,000 | $39,000 | $39,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,185 | $144,325,000 | $121,000 | $805,000 | $170,000 | $1,700,000 |
| Credit History | 109 | $11,165,000 | $102,000 | $435,000 | $111,000 | $752,000 |
| Debt-To-Income Ratio | 27 | $2,755,000 | $102,000 | $345,000 | $53,000 | $145,000 |
| Collateral | 4 | $550,000 | $137,000 | $355,000 | $82,000 | $148,000 |
| Other | 4 | $360,000 | $90,000 | $115,000 | $298,000 | $550,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $455,000 | $151,000 | $235,000 | $86,000 | $115,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $138,000 | $138,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Community Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess West Community Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.