WATER AND POWER COMMUNITY Credit Union in California vs the state
13.2%Denial rate-4.27 pts vs state
17.5%Decision denial rate-4.92 pts vs state
61.8%Origination rate+5.57 pts vs state
6.13%Median rate-0.50 pts vs state
-0.51Rate spread (pts)-0.78 pts vs state
$194kMedian applicant income
202Loans originated
43Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 327 | 167 | 20.2% | 6.13% | #280 |
| 2024 | 327 | 166 | 12.8% | 6.63% | #294 |
| 2025 | 327 | 202 | 13.2% | 6.13% | #306 |
What WATER AND POWER COMMUNITY Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most WATER AND POWER COMMUNITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 263 | 165 | 33 | 12.5% |
| Orange County | 26 | 12 | 5 | 19.2% |
| San Bernardino County | 16 | 9 | 2 | 12.5% |
| Ventura County | 8 | 7 | 0 | 0.0% |
| Riverside County | 5 | 4 | 1 | 20.0% |
| Kern County | 3 | 1 | 1 | 33.3% |
| Lake County | 2 | 1 | 1 | 50.0% |
| Madera County | 1 | 1 | 0 | 0.0% |
| Placer County | 1 | 1 | 0 | 0.0% |
| El Dorado County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 327 applications in 2025, of which 202 were originated and 43 denied.
13.2% of all applications, or 17.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans WATER AND POWER COMMUNITY Credit Union originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are WATER AND POWER COMMUNITY Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology