Applications / Mortgage Analytics / Lenders / Missouri / West Community Credit Union
O Fallon, MO · Credit union · NCUA · $491 million assets · 623 loans in 2025
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623
loans originated, 2025
995
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Community Credit Union is a Missouri credit union lending mostly for home improvement and other purposes, whose originations rose 14% in 2025 and whose share grew in St. Louis.
Home improvement made up 37.9% of its loans, other purposes 32.6%, purchases 17.5% and refinances 12.0%. Its typical loan was $105,000, the same as for similar lenders (credit unions making between half and twice as many loans), and it made no jumbo loans. Nearly all its loans were conventional.
Originations rose to 623 from 548, while the typical peer grew 6% and the whole market 10%, higher than more than half of peers. Dollar volume rose to $86.5 million from $69.6 million. Its loans remain well below the 1,222 of 2021. Its typical rate was 3.88% in 2020, against 6.99% now; higher rates may account for part of the fall.
In St. Louis, where it has lent since before 1990, it ranks 57 of 637 lenders with 0.4% of the dollars, up from 0.3%, in a market led by Guild Mortgage Company and United Wholesale Mortgage. In Columbia, MO it ranks 21 of 268, with 0.9%, down from 1.5%; one possibility is that more of its growth came from St. Louis. Its share also rose in Jefferson City.
It turned down 4.6% of first-lien home-purchase applications, against 6.5% for peers, lower than about two-thirds of them. Its typical rate, 6.99%, was close to peers' 7.00%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Community Credit Union took 995 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.9% · Other 32.6% · Purchase 17.5% · Refinance 12.0%
Conventional 99.0% · FHA 0.8% · VA 0.2% · of 623 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 611 | 98.1% |
| Illinois | 2 | 0.3% |
| Arkansas | 1 | 0.2% |
| Kansas | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 518 |
| Columbia | 72 |
| Jefferson City | 6 |
| Springfield | 2 |
| Fayetteville-Springdale-Rogers | 1 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CCELEPUO4TOE73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 680194 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562801 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: West Community Credit Union's data.
West Community Credit Union's data
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West Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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