What loan types does WATER AND POWER COMMUNITY Credit Union offer?

WATER AND POWER COMMUNITY Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does WATER AND POWER COMMUNITY Credit Union offer mortgages?

WATER AND POWER COMMUNITY Credit Union offers mortgages in 1 states: CA.

How competitive are WATER AND POWER COMMUNITY Credit Union's mortgage rates?

WATER AND POWER COMMUNITY Credit Union has an overall pricing score of 96.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is WATER AND POWER COMMUNITY Credit Union?

WATER AND POWER COMMUNITY Credit Union is a Credit Union headquartered in Los Angeles, CA.

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WATER AND POWER COMMUNITY Credit Union

Credit Union•Los Angeles, CAHQ•Direct•Reviews near you on Google

WATER AND POWER COMMUNITY Credit Union has 55 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 48.40 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

WATER AND POWER COMMUNITY Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 48.4 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

53 loans · 0.46% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

50 loans · 0.47% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Mediocre	53	96.4%	-0.463%Below	$791Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume53

Mix96.4%

Spread

-0.463%Below

Fees

$791Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Mediocre	50	90.9%	-0.465%Below	$791Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume50

Mix90.9%

Spread

-0.465%Below

Fees

$791Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

147

Volume

$33 million

Pricing & Closing

Avg Rate Spread

-0.484%

vs. market APOR

Avg Net Fees

$791

Origination − Credits

Pullthrough Rate

37.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$615,000

Avg Borrower Income

$226,873

Avg Property Value

$795,727

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 5050+None

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 35Mix 63.64% of portfolio

62/100

Strong

Riverside, CAMetro

Volume 12Mix 21.82% of portfolio

49/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 55Mix 100.00% of portfolio

60/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.