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 score and performance metrics.

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 an overall pricing score of 74.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Patelco Credit Union?

Patelco Credit Union is a Credit Union headquartered in Dublin, CA.

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Patelco Credit Union

Credit Union•Dublin, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Patelco Credit Union — 468 loans across 751 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Exceptional

5/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 5 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 45.00 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Patelco Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 45.0 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

308 loans · 0.35% below market

Sound

Top 60% of lenders

3/5

Jumbo

160 loans · 0.64% below market

Exceptional

Top 20% of lenders

5/5

By Loan Purpose· Transaction purpose mix

Purchase

431 loans · 0.47% below market

Sound

Top 60% of lenders

3/5

Refinance

37 loans · 0.22% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 5 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	Sound	Sound	Strong	Sound	308	65.8%	-0.350%Below	$475Fees
Jumbo Loans	Strong	Exceptional	Exceptional	Strong	160	34.2%	-0.637%Below	$114Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume308

Mix65.8%

Spread

-0.350%Below

Fees

$475Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Exceptional

Pull Through

Strong

Volume160

Mix34.2%

Spread

-0.637%Below

Fees

$114Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	431	92.1%	-0.467%Below	$358Fees
Refinance	Sound	Sound	Strong	Acceptable	37	7.9%	-0.223%Below	$242Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume431

Mix92.1%

Spread

-0.467%Below

Fees

$358Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume37

Mix7.9%

Spread

-0.223%Below

Fees

$242Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

468

Applications

751

Volume

$444 million

Pricing & Closing

Avg Rate Spread

-0.450%

vs. market APOR

Avg Net Fees

$350

Origination − Credits

Pullthrough Rate

62.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$950,278

Avg Borrower Income

$307,462

Avg Property Value

$1,289,316

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

Oakland, CAMetro

Volume 240Mix 51.28% of portfolio

86/100

Exceptional

San Jose, CAMetro

Volume 90Mix 19.23% of portfolio

73/100

Strong

San Francisco, CAMetro

Volume 36Mix 7.69% of portfolio

63/100

Strong

Stockton, CAMetro

Volume 21Mix 4.49% of portfolio

55/100

Sound

Sacramento, CAMetro

Volume 30Mix 6.41% of portfolio

55/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 468Mix 100.00% of portfolio

76/100

Strong

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.