# WATER AND POWER COMMUNITY Credit Union

> **Canonical URL:** https://saferate.com/lenders/water-and-power-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


WATER AND POWER COMMUNITY Credit Union is a credit union, headquartered in Los Angeles, CA, with 55 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 4% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 79% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493005MZZDC38IUOJ34
- **Headquarters:** Los Angeles, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 96/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.484%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $791
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 55
- **Dollar Volume:** $34 million
- **Applications Received:** 147
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $615,000
- **Average Borrower Income:** $226,873
- **Average Property Value:** $795,727

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 53 | -0.463% | $791 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 49 loans, Score: 26/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 50 | $30M | -0.465% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 55 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 35 | 62/100 |
| Riverside | CA | 12 | 49/100 |

## Frequently Asked Questions

### What loan types does WATER AND POWER COMMUNITY Credit Union offer?

WATER AND POWER COMMUNITY Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does WATER AND POWER COMMUNITY Credit Union offer mortgages?

WATER AND POWER COMMUNITY Credit Union offers mortgages in 1 states: CA.

### How competitive are WATER AND POWER COMMUNITY Credit Union's mortgage rates?

WATER AND POWER COMMUNITY Credit Union has a pricing score of 96/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.484% below market average.

### What type of lender is WATER AND POWER COMMUNITY Credit Union?

WATER AND POWER COMMUNITY Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Los Angeles, CA.

### What is WATER AND POWER COMMUNITY Credit Union's loan approval success rate?

WATER AND POWER COMMUNITY Credit Union has a pull-through score of 21/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/water-and-power-community-credit-union

### How to Cite

> "WATER AND POWER COMMUNITY Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/water-and-power-community-credit-union

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