CALTECH EMPLOYEES FEDERAL CREDIT UNION
CALTECH EMPLOYEES FEDERAL CREDIT UNION received 197 applications in 2025 and made 148 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 5.875% on a median loan of $590,000. Of 175 decisions, 20 were denials — 11.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493009CYWXD5RBPIX14 |
|---|---|
| Applications received | 197 |
| Mortgages made | 148 |
| Denied | 20 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.591 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 79 | 5.875% | $675,000 | 2.4% |
| Refinancing | 25 | 5.500% | $815,000 | 10.7% |
| Cash-out refinancing | 13 | 6.125% | $275,000 | 31.6% |
| Other purposes | 31 | 6.950% | $125,000 | 20.9% |
Where CALTECH EMPLOYEES FEDERAL CREDIT UNION lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 108 | 5.875% | 13.7% |
| San Bernardino County, CA | 10 | 6.950% | 9.1% |
| Ventura County, CA | 7 | Under 10 loans | 0.0% |
| Orange County, CA | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 5 | Under 10 loans | 0.0% |
| Riverside County, CA | 3 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 33.3% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Mono County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Siskiyou County, CA | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.