Education Credit Union mortgage approval rate & lending review
Education Credit Union decided 669 mortgage applications and funded 636 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Education Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Education Credit Union at a glance
Approval is 27.5 points above the 71.5% 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% | 78 / 79 | 94% | $235K | 73 |
| Cash-out refinance | 99% | 519 / 525 | 97% | $85K | 502 |
Education Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 99% | $85K | 669 | 636 |
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.
Where Education Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Randall County, TX | Cash-out refinance | 99% | 326 | 312 |
| Potter County, TX | Cash-out refinance | 99% | 188 | 179 |
| Randall County, TX | Mortgage lenders | 100% | 54 | 51 |
| Potter County, TX | Mortgage lenders | 95% | 22 | 19 |
The county markets where Education Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Education Credit Union
What is Education Credit Union's mortgage approval rate?
Education Credit Union approved 99.0% of the 669 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 27.5 points above the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan Education Credit Union offers?
Borrowers accepted 96% of the loans Education Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Education Credit Union make?
The typical cash-out refinance loan Education Credit Union made was $85K; across all loan types its typical loan ran from $85K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Education Credit Union lend?
Education Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Education Credit Union directly?
Yes. Education Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Education 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 Education Credit Union treats applications, then get a rate quote from the lender.