Applications / Mortgage Analytics / Lenders / California / Caltech Employees Federal Credit Union
La Canada, CA · Credit union · NCUA · $2.1 billion assets · 148 loans in 2025
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148
loans originated, 2025
198
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Caltech Employees Federal Credit Union lends like a jumbo specialist, with typical loans far larger than its peers', and in 2025 it doubled its lending after three lean years.
Its typical loan was $590,000. At similar lenders (credit unions making between half and twice as many loans) it was $105,000, and none of them had a higher figure. Jumbo loans, those larger than the conforming limit, made up 17.9% of its lending; the typical peer made none.
Its loans rose 108%, from 71 to 148. Peers grew by 9%, and only about one in twenty grew faster. The rebound is partial: it made 250 loans in 2021 before three years of decline.
Low- and moderate-income (LMI) borrowers took just 2.7% of its loans, the lowest share among similar lenders. Loans of this size may simply go to households earning above the LMI limits. All of its lending is in California. Areas where most residents belong to minority groups took 63.5% of its loans, against 9.8% at peers, which may reflect the neighborhoods in those metros.
Its typical rate was 5.88%, against 6.75% at peers, lower than at about nine in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans).
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Caltech Employees Federal Credit Union took 198 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.4% · Refinance 25.7% · Home improvement 14.2% · Other 6.8%
Conventional 100.0% · of 148 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 148 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 108 |
| Riverside-San Bernardino-Ontario | 13 |
| Oxnard-Thousand Oaks-Ventura | 7 |
| Anaheim-Santa Ana-Irvine | 5 |
| San Diego-Chula Vista-Carlsbad | 5 |
| San Jose-Sunnyvale-Santa Clara | 2 |
| Santa Maria-Santa Barbara | 2 |
| Bakersfield-Delano | 1 |
| Oakland-Fremont-Berkeley | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009CYWXD5RBPIX14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 39082 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56681 | 2001–2017 |
Established 1 January 1950. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Caltech Employees Federal Credit Union's data.
Caltech Employees Federal Credit Union's data
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Caltech Employees Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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