Educational Employees Credit Union mortgage approval rate & lending review
Educational Employees Credit Union decided 4,911 mortgage applications and funded 2,087 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Educational Employees Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Educational Employees Credit Union at a glance
Approval is 20.8 points below the 69.0% 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 | 64% | 388 / 608 | 95% | $385K | 370 |
| Home improvement loans | 48% | 1,522 / 3,148 | 84% | $85K | 1,286 |
| Refinance | 40% | 387 / 967 | 95% | $155K | 369 |
| Investment property purchase | 49% | 47 / 95 | 89% | $295K | 42 |
| Investment refinance | 31% | 11 / 35 | 100% | $205K | 11 |
| Investment home improvement | 23% | 8 / 35 | 62% | $205K | 5 |
Educational Employees Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 48% | $85K | 4,899 | 2,087 |
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 Educational Employees Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fresno County, CA | Home improvement loans | 50% | 2,018 | 853 |
| Fresno County, CA | Mortgage lenders | 66% | 364 | 226 |
| Fresno County, CA | Refinance | 40% | 592 | 224 |
| Tulare County, CA | Home improvement loans | 42% | 483 | 167 |
| Madera County, CA | Home improvement loans | 47% | 229 | 92 |
| Kings County, CA | Home improvement loans | 52% | 122 | 56 |
| Tulare County, CA | Refinance | 32% | 148 | 45 |
| Tulare County, CA | Mortgage lenders | 69% | 62 | 43 |
| Merced County, CA | Home improvement loans | 56% | 79 | 39 |
| Fresno County, CA | Investment property purchase | 57% | 60 | 30 |
| Madera County, CA | Mortgage lenders | 63% | 51 | 30 |
| Madera County, CA | Refinance | 42% | 65 | 26 |
The county markets where Educational Employees Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Educational Employees Credit Union
What is Educational Employees Credit Union's mortgage approval rate?
Educational Employees Credit Union approved 48.2% of the 4,911 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.8 points below the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan Educational Employees Credit Union offers?
Borrowers accepted 88% of the loans Educational Employees Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Educational Employees Credit Union make?
The typical home improvement loan loan Educational Employees Credit Union made was $85K; across all loan types its typical loan ran from $85K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Educational Employees Credit Union lend?
Educational Employees Credit Union decided applications in 10 of the states Fat Boy Data covers, most of them in California, Texas and Arizona.
Can I apply to Educational Employees Credit Union directly?
Yes. Educational Employees Credit Union is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Educational Employees 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 Educational Employees Credit Union treats applications, then get a rate quote from the lender.