Applications / Mortgage Analytics / Lenders / California / Water and Power Community Credit Union
Los Angeles, CA · Credit union · NCUA · $971 million assets · 202 loans in 2025
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202
loans originated, 2025
398
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Water and Power Community Credit Union lends mostly in neighborhoods where minorities are the majority: 75.7% of its loans went there, against 11.0% at similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Its share in majority-minority neighborhoods is higher than at more than nine in ten of them, and was 83.1% in 2024. All its lending is in California, and the Los Angeles area is its largest market, where it ranks 173 of 757 lenders.
Home purchases made up 41.1% of its loans, home improvement 33.2% and refinances 25.7%. Every loan was conventional, with no government backing.
Its typical rate was 6.12%, against 6.75% at peers, lower than at more than four in five similar lenders. It made no higher-priced loans, those with a rate well above the average for similar loans; the typical peer's share was 2.0%.
It made 202 loans in 2025, up 22%, against 7% for the typical peer and 10% for the market. That is still below the 261 it made in 2021. It filed no report for 2020, so that year is a gap in the record.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Water and Power Community Credit Union took 398 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.1% · Home improvement 33.2% · Refinance 25.7%
Conventional 100.0% · of 202 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 | 202 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 165 |
| Riverside-San Bernardino-Ontario | 13 |
| Anaheim-Santa Ana-Irvine | 12 |
| Oxnard-Thousand Oaks-Ventura | 7 |
| Bakersfield-Delano | 1 |
| Fresno | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005MZZDC38IUOJ34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 425993 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568493 | 2002–2017 |
Established 1 January 1936. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Water and Power Community Credit Union's data.
Water and Power Community Credit Union's data
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Water and Power Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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