# CALTECH EMPLOYEES FEDERAL CREDIT UNION

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

CALTECH EMPLOYEES FEDERAL CREDIT UNION is a credit union, headquartered in La Canada Flintridge, CA, with 42 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493009CYWXD5RBPIX14
- **Headquarters:** La Canada Flintridge, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.247%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,834
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 42
- **Dollar Volume:** $40 million
- **Applications Received:** 54
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $959,286
- **Average Borrower Income:** $334,738

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 17/100 | 29 | -0.220% | $2,805 | Mediocre 😐 |
| Jumbo | 61/100 | 13 | -0.389% | $2,988 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 23 loans, Score: 19/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 35 | $36M | -0.187% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 42 | 0.01% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 33 | 63/100 |

## Frequently Asked Questions

### What loan types does CALTECH EMPLOYEES FEDERAL CREDIT UNION offer?

CALTECH EMPLOYEES FEDERAL 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 CALTECH EMPLOYEES FEDERAL CREDIT UNION offer mortgages?

CALTECH EMPLOYEES FEDERAL CREDIT UNION offers mortgages in 1 states: CA.

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

CALTECH EMPLOYEES FEDERAL CREDIT UNION has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.247% below market average.

### What type of lender is CALTECH EMPLOYEES FEDERAL CREDIT UNION?

CALTECH EMPLOYEES FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in La Canada Flintridge, CA.

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

CALTECH EMPLOYEES FEDERAL CREDIT UNION has a pull-through score of 44/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/caltech-employees-federal-credit-union

### How to Cite

> "CALTECH EMPLOYEES FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/caltech-employees-federal-credit-union

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