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 score and performance metrics.

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 an overall pricing score of 58.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Caltech Employees Federal Credit Union?

Caltech Employees Federal Credit Union is a Credit Union headquartered in La Canada Flintridge, CA.

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Caltech Employees Federal Credit Union

Credit Union•La Canada Flintridge, CAHQ•Direct•Reviews near you on Google

Caltech Employees Federal Credit Union has 42 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Caltech Employees Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 24.7 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

29 loans · 0.22% below market

Mediocre

Bottom 20% of lenders

1/5

Jumbo

13 loans · 0.39% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

35 loans · 0.19% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	Sound	Acceptable	29	69.0%	-0.220%Below	$2,805Fees
Jumbo Loans	Strong	Strong	—	—	13	31.0%	-0.389%Below	$2,988Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing

Sound

Pull Through

Acceptable

Volume29

Mix69.0%

Spread

-0.220%Below

Fees

$2,805Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume13

Mix31.0%

Spread

-0.389%Below

Fees

$2,988Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	35	83.3%	-0.187%Below	$2,749Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume35

Mix83.3%

Spread

-0.187%Below

Fees

$2,749Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$40 million

Pricing & Closing

Avg Rate Spread

-0.247%

vs. market APOR

Avg Net Fees

$2,834

Origination − Credits

Pullthrough Rate

77.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$959,286

Avg Borrower Income

$334,738

Avg Property Value

$1,351,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 33Mix 78.57% of portfolio

63/100

Strong

Top States by Place Specialization Score

CaliforniaState

Volume 42Mix 100.00% of portfolio

58/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.