# WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/waterbury-connecticut-teachers-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


WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION is a credit union, headquartered in Middlebury, CT, with 41 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001BJFQ0EM41N379
- **Headquarters:** Middlebury, CT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CT
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 41
- **Dollar Volume:** $4 million
- **Applications Received:** 46
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $93,537
- **Average Borrower Income:** $143,073
- **Average Property Value:** $471,585

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 41 | +1.326% | $0 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 40 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 55/100 | 40 | $4M | +1.326% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CT | 41 | 0.12% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Waterbury | CT | 29 | 68/100 |

## Where This Lender Ranks

WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Waterbury for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION offer?

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

### Where does WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION offer mortgages?

WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION offers mortgages in 1 states: CT.

### What type of lender is WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION?

WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Middlebury, CT.

### What is WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION's loan approval success rate?

WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION has a pull-through score of 45/100 (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/waterbury-connecticut-teachers-federal-credit-union

### How to Cite

> "WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/waterbury-connecticut-teachers-federal-credit-union

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