# TECHNOLOGY CREDIT UNION

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


TECHNOLOGY CREDIT UNION is a credit union, headquartered in San Jose, CA, serving borrowers across 2 states, with 66 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% 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):** 5493007VGBHF6SRXRR53
- **Headquarters:** San Jose, CA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 92.9%
- **Brokered/Wholesale:** 7.1%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

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

### Pricing Details
- **Average Rate Spread:** -0.161%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,100
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 66
- **Dollar Volume:** $47 million
- **Applications Received:** 113
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $719,545
- **Average Borrower Income:** $280,758
- **Average Property Value:** $1,500,455

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 53 | -0.173% | $1,387 | Acceptable 🙂 |
| Jumbo | 60/100 | 13 | -0.109% | $-44 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 24 loans, Score: 19/100 (Mediocre)
- Refinance: 29 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 31 | $25M | -0.156% | Acceptable 🙂 |
| Refinance | 44/100 | 35 | $23M | -0.164% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 65 | 0.02% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Jose | CA | 32 | 65/100 |
| Oakland | CA | 16 | 54/100 |

## Where This Lender Ranks

TECHNOLOGY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in San Jose Credit Unions
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in San Jose for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in San Jose for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/jumbo-loans)

## Frequently Asked Questions

### What loan types does TECHNOLOGY CREDIT UNION offer?

TECHNOLOGY 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 TECHNOLOGY CREDIT UNION offer mortgages?

TECHNOLOGY CREDIT UNION offers mortgages in 2 states: CA, WA.

### How competitive are TECHNOLOGY CREDIT UNION's mortgage rates?

TECHNOLOGY CREDIT UNION has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.161% below market average.

### What type of lender is TECHNOLOGY CREDIT UNION?

TECHNOLOGY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Jose, CA.

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

TECHNOLOGY 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/technology-credit-union

### How to Cite

> "TECHNOLOGY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/technology-credit-union

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