EDUCATIONAL EMPLOYEES CREDIT UNION
EDUCATIONAL EMPLOYEES CREDIT UNION received 2,365 applications in 2025 and made 957 mortgages, in 42 counties across 4 states. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 2,279 decisions, 1,184 were denials — 51.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549004OC91L41W9XR37 |
|---|---|
| Applications received | 2,365 |
| Mortgages made | 957 |
| Denied | 1,184 |
| Approved, not taken up | 138 |
| Withdrawn or incomplete | 86 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.76 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 | 91 | 6.000% | $365,000 | 23.0% |
| Refinancing | 131 | 6.000% | $235,000 | 53.3% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 81.8% |
| Other purposes | 733 | 6.500% | $85,000 | 53.5% |
Where EDUCATIONAL EMPLOYEES CREDIT UNION lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fresno County, CA | 616 | 6.500% | 50.2% |
| Tulare County, CA | 133 | 6.500% | 60.9% |
| Madera County, CA | 65 | 6.500% | 54.1% |
| Kings County, CA | 47 | 6.500% | 43.6% |
| San Luis Obispo County, CA | 27 | 6.250% | 45.5% |
| Merced County, CA | 19 | 6.500% | 55.8% |
| Kern County, CA | 6 | Under 10 loans | 52.6% |
| Stanislaus County, CA | 6 | Under 10 loans | 46.2% |
| Placer County, CA | 5 | Under 10 loans | 40.0% |
| Orange County, CA | 3 | Under 10 loans | 40.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 20.0% |
| Alameda County, CA | 2 | Under 10 loans | 50.0% |
| El Dorado County, CA | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 50.0% |
| Sacramento County, CA | 2 | Under 10 loans | 50.0% |
| San Diego County, CA | 2 | Under 10 loans | 66.7% |
| Santa Cruz County, CA | 2 | Under 10 loans | 25.0% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 66.7% |
| Lassen County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 80.0% |
| Mono County, CA | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 75.0% |
| Riverside County, CA | 1 | Under 10 loans | 66.7% |
| San Bernardino County, CA | 1 | Under 10 loans | 50.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 66.7% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Calaveras County, CA | 0 | Under 10 loans | 100.0% |
| Humboldt County, CA | 0 | Under 10 loans | 100.0% |
| Plumas County, CA | 0 | Under 10 loans | 100.0% |
| Santa Clara County, CA | 0 | Under 10 loans | Not published |
| Wayne County, IN | 0 | Under 10 loans | 100.0% |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Collin County, TX | 0 | Under 10 loans | Not published |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Denton County, TX | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
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When EDUCATIONAL EMPLOYEES CREDIT UNION’s figures are published for the next year, or restated.
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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.