Wescom Central Credit Union in California vs the state
24.9%Denial rate+7.48 pts vs state
32.1%Decision denial rate+9.70 pts vs state
52.0%Origination rate-4.17 pts vs state
8.00%Median rate+1.38 pts vs state
0.84Rate spread (pts)+0.57 pts vs state
$171kMedian applicant income
2,079Loans originated
995Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,182 | 1,545 | 29.6% | 9.00% | #51 |
| 2024 | 3,827 | 1,900 | 27.4% | 9.00% | #48 |
| 2025 | 3,996 | 2,079 | 24.9% | 8.00% | #53 |
What Wescom Central Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Wescom Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,812 | 921 | 465 | 25.7% |
| Orange County | 852 | 496 | 175 | 20.5% |
| Riverside County | 412 | 193 | 128 | 31.1% |
| San Bernardino County | 282 | 126 | 79 | 28.0% |
| Ventura County | 238 | 135 | 54 | 22.7% |
| San Diego County | 126 | 73 | 22 | 17.5% |
| Monterey County | 93 | 47 | 22 | 23.7% |
| Kern County | 36 | 13 | 15 | 41.7% |
| Santa Clara County | 18 | 9 | 8 | 44.4% |
| Fresno County | 18 | 9 | 5 | 27.8% |
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: 3,996 applications in 2025, of which 2,079 were originated and 995 denied.
24.9% of all applications, or 32.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Wescom Central Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Wescom Central 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