WESCOM CENTRAL CREDIT UNION
WESCOM CENTRAL CREDIT UNION received 4,066 applications in 2025 and made 2,112 mortgages, in 77 counties across 22 states. The median rate its borrowers got was 8.000% on a median loan of $205,000. Of 3,144 decisions, 1,006 were denials — 32.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300C232ZWY1I57C16 |
|---|---|
| Applications received | 4,066 |
| Mortgages made | 2,112 |
| Denied | 1,006 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 922 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.82 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 | 157 | 6.750% | $395,000 | 38.9% |
| Refinancing | 35 | 6.250% | $535,000 | 38.6% |
| Cash-out refinancing | 44 | 6.625% | $395,000 | 37.5% |
| Other purposes | 1,876 | 8.250% | $185,000 | 31.1% |
Where WESCOM CENTRAL CREDIT UNION lends most
The 50 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 | 921 | 8.250% | 33.3% |
| Orange County, CA | 496 | 8.000% | 25.8% |
| Riverside County, CA | 193 | 8.250% | 39.5% |
| Ventura County, CA | 135 | 8.000% | 28.3% |
| San Bernardino County, CA | 126 | 8.250% | 38.5% |
| San Diego County, CA | 73 | 8.000% | 22.9% |
| Monterey County, CA | 47 | 8.000% | 31.9% |
| Kern County, CA | 13 | 8.500% | 53.6% |
| Fresno County, CA | 9 | Under 10 loans | 35.7% |
| Santa Clara County, CA | 9 | Under 10 loans | 47.1% |
| Contra Costa County, CA | 8 | Under 10 loans | 11.1% |
| Santa Barbara County, CA | 8 | Under 10 loans | 18.2% |
| Marin County, CA | 7 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 6 | Under 10 loans | 14.3% |
| San Joaquin County, CA | 5 | Under 10 loans | 0.0% |
| Clark County, NV | 5 | Under 10 loans | 16.7% |
| San Luis Obispo County, CA | 4 | Under 10 loans | 20.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 3 | Under 10 loans | 62.5% |
| Sacramento County, CA | 3 | Under 10 loans | 40.0% |
| Tulare County, CA | 3 | Under 10 loans | 25.0% |
| Mohave County, AZ | 2 | Under 10 loans | 50.0% |
| San Francisco County, CA | 2 | Under 10 loans | 33.3% |
| Cuyahoga County, OH | 2 | Under 10 loans | 0.0% |
| Lucas County, OH | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 50.0% |
| Lake County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 33.3% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| San Benito County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 50.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Muscogee County, GA | 1 | Under 10 loans | 0.0% |
| Hawaii County, HI | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 0.0% |
| Lake County, MN | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 0.0% |
| Lane County, OR | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 1 | Under 10 loans | 0.0% |
| Hamblen County, TN | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 50.0% |
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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.