# CARIBE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/caribe-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CARIBE FEDERAL CREDIT UNION is a credit union, headquartered in San Juan, PR, with 42 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900KMMJNL0IJNSM73
- **Headquarters:** San Juan, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.698%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,303
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 42
- **Dollar Volume:** $6 million
- **Applications Received:** 76
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $144,762
- **Average Borrower Income:** $97,548
- **Average Property Value:** $201,667

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 37 | +0.816% | $3,312 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 20 loans, Score: 25/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 23 | $4M | +0.532% | Acceptable 🙂 |
| Refinance | 43/100 | 19 | $2M | +0.776% | Sound ☺️ |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Juan | PR | 31 | 62/100 |

## Where This Lender Ranks

CARIBE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in San Juan Credit Unions
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in San Juan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in San Juan for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CARIBE FEDERAL CREDIT UNION offer?

CARIBE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### How competitive are CARIBE FEDERAL CREDIT UNION's mortgage rates?

CARIBE FEDERAL CREDIT UNION has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.698% above market average.

### What type of lender is CARIBE FEDERAL CREDIT UNION?

CARIBE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Juan, PR.

### What is CARIBE FEDERAL CREDIT UNION's loan approval success rate?

CARIBE FEDERAL CREDIT UNION has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/caribe-federal-credit-union

### How to Cite

> "CARIBE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/caribe-federal-credit-union

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