Caltech Employees Federal Credit Union mortgage approval rate & lending review
Caltech Employees Federal Credit Union decided 338 mortgage applications and funded 275 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Caltech Employees Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Caltech Employees Federal Credit Union at a glance
Approval is 12.8 points above the 77.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 165 / 166 | 89% | $765K | 147 |
| Home improvement loans | 83% | 73 / 88 | 86% | $105K | 63 |
| Cash-out refinance | 73% | 19 / 26 | 100% | $695K | 19 |
| Refinance | 88% | 29 / 33 | 100% | $805K | 29 |
Caltech Employees Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 91% | $765K | 338 | 275 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Caltech Employees Federal Credit Union
What is Caltech Employees Federal Credit Union's mortgage approval rate?
Caltech Employees Federal Credit Union approved 90.5% of the 338 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.8 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan Caltech Employees Federal Credit Union offers?
Borrowers accepted 90% of the loans Caltech Employees Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Caltech Employees Federal Credit Union make?
The typical home purchase mortgage loan Caltech Employees Federal Credit Union made was $765K; across all loan types its typical loan ran from $105K to $805K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Caltech Employees Federal Credit Union lend?
Caltech Employees Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Caltech Employees Federal Credit Union directly?
Yes. Caltech Employees Federal Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Caltech Employees Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Caltech Employees Federal Credit Union treats applications, then get a rate quote from the lender.