WATER AND POWER COMMUNITY Credit Union
WATER AND POWER COMMUNITY Credit Union received 329 applications in 2025 and made 202 mortgages, in 13 counties across 3 states. The median rate its borrowers got was 6.125% on a median loan of $580,000. Of 248 decisions, 45 were denials — 18.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005MZZDC38IUOJ34 |
|---|---|
| Applications received | 329 |
| Mortgages made | 202 |
| Denied | 45 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 81 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.5095 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 83 | 6.000% | $685,000 | 5.6% |
| Refinancing | 52 | 5.875% | $640,000 | 5.5% |
| Other purposes | 67 | 7.000% | $105,000 | 35.6% |
Where WATER AND POWER COMMUNITY Credit Union lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 165 | 6.125% | 16.7% |
| Orange County, CA | 12 | 5.875% | 29.4% |
| San Bernardino County, CA | 9 | Under 10 loans | 16.7% |
| Ventura County, CA | 7 | Under 10 loans | 0.0% |
| Riverside County, CA | 4 | Under 10 loans | 20.0% |
| Inyo County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 50.0% |
| Lake County, CA | 1 | Under 10 loans | 50.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 0 | Under 10 loans | Not published |
| Greene County, OH | 0 | Under 10 loans | 100.0% |
| Marion County, TN | 0 | Under 10 loans | 100.0% |
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When WATER AND POWER COMMUNITY Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.