Eecu mortgage approval rate & lending review
Eecu decided 4,316 mortgage applications and funded 2,796 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Eecu reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Eecu at a glance
Approval is 2.4 points below the 68.3% 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 | 79% | 468 / 591 | 96% | $245K | 449 |
| Home improvement loans | 61% | 1,385 / 2,265 | 99% | $75K | 1,367 |
| Cash-out refinance | 69% | 868 / 1,256 | 99% | $135K | 859 |
| Refinance | 63% | 87 / 138 | 97% | $185K | 84 |
| Investment property purchase | 92% | 23 / 25 | 100% | $155K | 23 |
Eecu lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 66% | $135K | 4,316 | 2,796 |
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 Eecu lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tarrant County, TX | Home improvement loans | 61% | 1,352 | 803 |
| Tarrant County, TX | Cash-out refinance | 70% | 832 | 580 |
| Tarrant County, TX | Mortgage lenders | 76% | 374 | 273 |
| Parker County, TX | Home improvement loans | 62% | 248 | 155 |
| Johnson County, TX | Home improvement loans | 63% | 176 | 111 |
| Denton County, TX | Home improvement loans | 61% | 159 | 96 |
| Parker County, TX | Cash-out refinance | 68% | 107 | 71 |
| Dallas County, TX | Home improvement loans | 63% | 106 | 67 |
| Johnson County, TX | Cash-out refinance | 76% | 79 | 59 |
| Denton County, TX | Cash-out refinance | 69% | 80 | 55 |
| Parker County, TX | Mortgage lenders | 80% | 69 | 55 |
| Collin County, TX | Home improvement loans | 67% | 72 | 48 |
The county markets where Eecu made the most loans. Each link opens that market with every lender ranked.
Questions about Eecu
What is Eecu's mortgage approval rate?
Eecu approved 65.9% of the 4,316 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.4 points below the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan Eecu offers?
Borrowers accepted 98% of the loans Eecu 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 Eecu make?
The typical home improvement loan loan Eecu made was $75K; across all loan types its typical loan ran from $75K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Eecu lend?
Eecu decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Eecu directly?
Yes. Eecu 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 Eecu'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 Eecu treats applications, then get a rate quote from the lender.