Applications / Mortgage Analytics / Lenders / California / Wescom Central Credit Union
Pasadena, CA · Credit union · NCUA · $6.3 billion assets · 2,112 loans in 2025
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2,112
loans originated, 2025
4,066
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wescom Central Credit Union is a California credit union lending mostly for home improvement and other purposes, with 60.3% of its loans in majority-minority areas.
Home improvement made up 53.9% of its lending and other purposes 34.9%, against 7.4% for purchase and 3.7% for refinance. Every loan was conventional. Originations rose 9% to 2,112, while similar lenders (credit unions making between half and twice as many loans) grew 11% and the whole market 10%, near the middle.
60.3% of its loans were in majority-minority areas, against 12.0% at similar lenders, among the highest twentieth. 11.2% went to LMI (low- and moderate-income) borrowers, against 27.0%, among the lowest twentieth. Its typical loan of $205,000, against $115,000, and its 8.5% jumbo share (larger than the conforming limit), against 1.5%, may point to members with higher incomes.
Its typical rate was 8.00%, against 7.00% at similar lenders, higher than about nine in ten of them; home-improvement and other-purpose loans, nearly all of its lending, often carry higher rates than first mortgages. 1.2% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7%.
It ranked 52 of 757 lenders in Los Angeles-Long Beach-Anaheim and 49 of 422 in Oxnard-Thousand Oaks-Ventura, where its share rose to 0.5% from 0.4%. In 2025 it first lent in non-metro Minnesota, Morristown, TN and Columbus, AL-GA.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wescom Central Credit Union took 4,066 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 53.9% · Other 34.9% · Purchase 7.4% · Refinance 3.7%
Conventional 100.0% · of 2,112 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 2,079 | 98.4% |
| Arizona | 7 | 0.3% |
| Nevada | 5 | 0.2% |
| Ohio | 5 | 0.2% |
| Texas | 3 | 0.1% |
| Oregon | 2 | 0.1% |
| Colorado | 1 | 0.0% |
| Florida | 1 | 0.0% |
| Georgia | 1 | 0.0% |
| Hawaii | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 921 |
| Anaheim-Santa Ana-Irvine | 496 |
| Riverside-San Bernardino-Ontario | 319 |
| Oxnard-Thousand Oaks-Ventura | 135 |
| San Diego-Chula Vista-Carlsbad | 73 |
| Salinas | 47 |
| Bakersfield-Delano | 13 |
| Oakland-Fremont-Berkeley | 11 |
| Fresno | 10 |
| San Jose-Sunnyvale-Santa Clara | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C232ZWY1I57C16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 344692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566703 | 1991–2017 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Wescom Central Credit Union's data.
Wescom Central Credit Union's data
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