# WESCOM CENTRAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/wescom-central-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

WESCOM CENTRAL CREDIT UNION is a credit union, headquartered in Pasadena, CA, serving borrowers across 19 states, with 144 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300C232ZWY1I57C16
- **Headquarters:** Pasadena, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AL, AZ, CA, CO, CT, HI, IL, MI, MO, NC, NV, OH, OR, SC, SD, TN, TX, VA, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.238%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,584
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 144
- **Dollar Volume:** $78 million
- **Applications Received:** 306
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $541,389
- **Average Borrower Income:** $203,757

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 128 | +0.275% | $1,713 | Acceptable 🙂 |
| Jumbo | 62/100 | 16 | -0.041% | $626 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 90 loans, Score: 32/100 (Acceptable)
- Refinance: 38 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 105 | $64M | +0.220% | Acceptable 🙂 |
| Refinance | 38/100 | 39 | $14M | +0.289% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 114 | 0.04% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 38 | 60/100 |
| Riverside | CA | 30 | 57/100 |
| Anaheim | CA | 25 | 58/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.238% above market average.

### What type of lender is WESCOM CENTRAL CREDIT UNION?

WESCOM CENTRAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Pasadena, CA.

### What is WESCOM CENTRAL CREDIT UNION's loan approval success rate?

WESCOM CENTRAL CREDIT UNION has a pull-through score of 33/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/wescom-central-credit-union

### How to Cite

> "WESCOM CENTRAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wescom-central-credit-union

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