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 score and performance metrics.

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 an overall pricing score of 62.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Technology Credit Union?

Technology Credit Union is a Credit Union headquartered in San Jose, CA.

Unclaimed

Technology Credit Union

Credit Union•San Jose, CAHQ•Direct•Reviews near you on Google

Technology Credit Union has 66 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

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 16.10 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Technology Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 16.1 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

53 loans · 0.17% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

13 loans · 0.11% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

31 loans · 0.16% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

35 loans · 0.16% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	53	80.3%	-0.173%Below	$1,387Fees
Jumbo Loans	Strong	Strong	—	Strong	13	19.7%	-0.109%Below	$44Credit

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume53

Mix80.3%

Spread

-0.173%Below

Fees

$1,387Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume13

Mix19.7%

Spread

-0.109%Below

Fees

$44Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	31	47.0%	-0.156%Below	$1,440Fees
Refinance	Sound	Sound	Strong	Sound	35	53.0%	-0.164%Below	$783Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume31

Mix47.0%

Spread

-0.156%Below

Fees

$1,440Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume35

Mix53.0%

Spread

-0.164%Below

Fees

$783Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

113

Volume

$47 million

Pricing & Closing

Avg Rate Spread

-0.161%

vs. market APOR

Avg Net Fees

$1,100

Origination − Credits

Pullthrough Rate

58.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$719,545

Avg Borrower Income

$280,758

Avg Property Value

$1,500,455

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

West2

CAWA

Top Metro Areas by Place Specialization Score

San Jose, CAMetro

Volume 32Mix 48.48% of portfolio

65/100

Strong

Oakland, CAMetro

Volume 16Mix 24.24% of portfolio

54/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 65Mix 98.48% of portfolio

61/100

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.

Looking for a different lender?

Are you the owner of Technology Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.