What loan types does West Community Credit Union offer?

West Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does West Community Credit Union offer mortgages?

West Community Credit Union offers mortgages in 3 states: GA, IL, MO.

How competitive are West Community Credit Union's mortgage rates?

West Community Credit Union has an overall pricing score of 87.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is West Community Credit Union?

West Community Credit Union is a Credit Union headquartered in O'Fallon, MO.

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West Community Credit Union

Credit Union•O'Fallon, MOHQ•Direct•Reviews near you on Google

West Community Credit Union has 113 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 13.20 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

West Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 13.2 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

108 loans · 0.17% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

103 loans · 0.12% below market

Sound

Top 60% of lenders

3/5

Refinance

10 loans · 0.24% below market

Mediocre

Bottom 20% of lenders

1/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	108	95.6%	-0.171%Below	$1,239Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume108

Mix95.6%

Spread

-0.171%Below

Fees

$1,239Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	103	91.2%	-0.121%Below	$1,218Fees
Refinance	Mediocre	Mediocre	—	Mediocre	10	8.8%	-0.243%Below	$1,180Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume103

Mix91.2%

Spread

-0.121%Below

Fees

$1,218Fees

Refinance

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume10

Mix8.8%

Spread

-0.243%Below

Fees

$1,180Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

113

Applications

192

Volume

$28 million

Pricing & Closing

Avg Rate Spread

-0.132%

vs. market APOR

Avg Net Fees

$1,215

Origination − Credits

Pullthrough Rate

58.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$254,204

Avg Borrower Income

$134,956

Avg Property Value

$334,912

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest2

ILMO

South1

Top Metro Areas by Place Specialization Score

Columbia, MOMetro

Volume 51Mix 45.13% of portfolio

75/100

Strong

St. Louis, MO, MO-ILMetro

Volume 49Mix 43.36% of portfolio

65/100

Strong

Top States by Place Specialization Score

MissouriState

Volume 110Mix 97.35% of portfolio

69/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.