Wescom Central Credit Union mortgage approval rate & lending review
Wescom Central Credit Union decided 5,475 mortgage applications and funded 3,604 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wescom Central Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wescom Central Credit Union at a glance
Approval is 0.4 points above the 66.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 63% | 442 / 702 | 97% | $585K | 427 |
| Home improvement loans | 70% | 2,822 / 4,032 | 98% | $155K | 2,775 |
| Cash-out refinance | 53% | 82 / 155 | 98% | $275K | 80 |
| Refinance | 52% | 64 / 122 | 98% | $505K | 63 |
| Investment property purchase | 64% | 102 / 160 | 97% | $445K | 99 |
| Investment cash-out refinance | 52% | 23 / 44 | 100% | $405K | 23 |
| Investment home improvement | 53% | 131 / 247 | 99% | $155K | 130 |
Wescom Central Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 67% | $155K | 5,344 | 3,514 |
| Arizona | 83% | $305K | 23 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Wescom Central Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 67% | 1,883 | 1,242 |
| Orange County, CA | Home improvement loans | 75% | 887 | 662 |
| Riverside County, CA | Home improvement loans | 66% | 397 | 257 |
| Ventura County, CA | Home improvement loans | 77% | 273 | 205 |
| San Bernardino County, CA | Home improvement loans | 67% | 272 | 181 |
| San Diego County, CA | Home improvement loans | 78% | 107 | 81 |
| Los Angeles County, CA | Investment home improvement | 55% | 115 | 63 |
| Monterey County, CA | Home improvement loans | 71% | 73 | 52 |
| Orange County, CA | Investment home improvement | 47% | 38 | 18 |
| Santa Barbara County, CA | Home improvement loans | 73% | 26 | 18 |
| Riverside County, CA | Investment home improvement | 65% | 26 | 17 |
| San Bernardino County, CA | Investment home improvement | 45% | 29 | 13 |
The county markets where Wescom Central Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wescom Central Credit Union
What is Wescom Central Credit Union's mortgage approval rate?
Wescom Central Credit Union approved 67.1% of the 5,475 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points above the 66.7% national rate for the same mix of loan types.
How often do borrowers take the loan Wescom Central Credit Union offers?
Borrowers accepted 98% of the loans Wescom Central Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wescom Central Credit Union make?
The typical home improvement loan loan Wescom Central Credit Union made was $155K; across all loan types its typical loan ran from $155K to $585K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wescom Central Credit Union lend?
Wescom Central Credit Union decided applications in 31 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to Wescom Central Credit Union directly?
Yes. Wescom Central Credit Union is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wescom Central Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Wescom Central Credit Union treats applications, then get a rate quote from the lender.