# Patelco Credit Union

> **Canonical URL:** https://saferate.com/lenders/patelco-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


Patelco Credit Union is a credit union, headquartered in Dublin, CA, with 468 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300EM6UG8HE3P8U74
- **Headquarters:** Dublin, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.450%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $350
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 468
- **Dollar Volume:** $445 million
- **Applications Received:** 751
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $950,278
- **Average Borrower Income:** $307,462
- **Average Property Value:** $1,289,316

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 308 | -0.350% | $475 | Sound ☺️ |
| Jumbo | 82/100 | 160 | -0.637% | $114 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 276 loans, Score: 54/100 (Sound)
- Refinance: 32 loans, Score: 41/100 (Sound)

**Jumbo:**
- Purchase: 155 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 431 | $421M | -0.467% | Sound ☺️ |
| Refinance | 41/100 | 37 | $24M | -0.223% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 468 | 0.16% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oakland | CA | 240 | 86/100 |
| San Jose | CA | 90 | 73/100 |
| San Francisco | CA | 36 | 63/100 |
| Sacramento | CA | 30 | 55/100 |
| Stockton | CA | 21 | 55/100 |

## Where This Lender Ranks

Patelco Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Oakland for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in San Jose for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in San Francisco for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Oakland Credit Unions
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in San Jose Credit Unions
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Stockton Credit Unions
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Stockton for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Oakland for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in San Jose for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in San Francisco Credit Unions
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Oakland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Stockton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in San Francisco for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Stockton for Jumbo Loans
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in San Jose for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in San Francisco for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/jumbo-loans)
- 🏆 **#15** in Oakland
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders)
- 🏆 **#19** in San Jose
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Patelco Credit Union offer?

Patelco Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Patelco Credit Union offer mortgages?

Patelco Credit Union offers mortgages in 1 states: CA.

### How competitive are Patelco Credit Union's mortgage rates?

Patelco Credit Union has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.450% below market average.

### What type of lender is Patelco Credit Union?

Patelco Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dublin, CA.

### What is Patelco Credit Union's loan approval success rate?

Patelco Credit Union has a pull-through score of 54/100 (Sound). 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/patelco-credit-union

### How to Cite

> "Patelco Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/patelco-credit-union

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