What loan types does Wescom Central Credit Union offer?

Wescom Central Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Wescom Central Credit Union offer mortgages?

Wescom Central Credit Union offers mortgages in 19 states: AL, AZ, CA, CO, CT, HI, IL, MI, MO, NC, NV, OH, OR, SC, SD, TN, TX, VA, WA.

How competitive are Wescom Central Credit Union's mortgage rates?

Wescom Central Credit Union has an overall pricing score of 38/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Wescom Central Credit Union?

Wescom Central Credit Union is a Credit Union headquartered in Pasadena, CA.

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Wescom Central Credit Union

Credit Union•Pasadena, CAHQ•Direct•Reviews near you on Google

Wescom Central Credit Union has 144 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 3 mkts

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Wescom Central Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+23.8 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	128	88.9%	+0.275%Above	$1,713Fees
Jumbo Loans	Sound	Strong	—	Sound	16	11.1%	-0.041%Below	$626Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume128

Mix88.9%

Spread

+0.275%Above

Fees

$1,713Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume16

Mix11.1%

Spread

-0.041%Below

Fees

$626Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	105	72.9%	+0.220%Above	$1,615Fees
Refinance	Acceptable	Acceptable	Sound	Acceptable	39	27.1%	+0.289%Above	$1,494Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume105

Mix72.9%

Spread

+0.220%Above

Fees

$1,615Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume39

Mix27.1%

Spread

+0.289%Above

Fees

$1,494Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

144

Applications

306

Volume

$77 million

Pricing & Closing

Avg Rate Spread

+0.238%

vs. market APOR

Avg Net Fees

$1,584

Origination − Credits

Pullthrough Rate

47.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$541,389

Avg Borrower Income

$203,757

Avg Property Value

$839,306

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest5

ILMIMOOHSD

South6

ALNCSCTNTXVA

West7

AZCACOHINVORWA

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 38Mix 26.39% of portfolio

60/100

Sound

Anaheim, CAMetro

Volume 25Mix 17.36% of portfolio

58/100

Sound

Riverside, CAMetro

Volume 30Mix 20.83% of portfolio

57/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 114Mix 79.17% of portfolio

65/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.