Applications / Mortgage Analytics / Lenders / Michigan / West Michigan Community Bank
Hudsonville, MI · State member bank · FRS · $1.2 billion assets · 135 loans in 2025
West Michigan Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
135
loans originated, 2025
165
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Michigan Community Bank is a home-purchase lender around Grand Rapids whose loans rose 29% in 2025, faster than at most similar banks.
Its loans rose from 105 to 135, while similar lenders (state member banks making between half and twice as many loans) grew 8%. That is faster growth than at nearly four in five of them. It remains well below the 452 loans it made in 2020. It has filed since 1990.
Purchases made up 75.6% of its loans and refinancing 18.5%. Its typical loan was $285,000, against $175,000 at similar banks, larger than at more than four in five of them. Every loan was conventional, and it made no loans on manufactured homes.
Some 23.2% of its borrowers had low or moderate incomes (LMI), down from 35.4% a year earlier and below the 27.3% at similar banks. Its share of loans in LMI neighborhoods, 11.9%, was also below their 17.0%. Larger purchase loans could account for some of this, and at this size the share can swing from one year to the next.
It ranks 45 of 436 lenders in the Grand Rapids metro and 20 of 233 in Muskegon. Lake Michigan Credit Union leads both markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Michigan Community Bank took 165 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.6% · Refinance 18.5% · Other 5.2% · Home improvement 0.7%
Conventional 100.0% · of 135 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 |
|---|---|---|
| Michigan | 135 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 96 |
| Muskegon-Norton Shores | 6 |
| Kalamazoo-Portage | 3 |
| Niles | 1 |
| Traverse City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FN26DK7DGUPD51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 715340 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322308 | 1990–2017 |
Established 21 July 1976. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: West Michigan Community Bank's data.
West Michigan Community Bank's data
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West Michigan Community Bank 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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