EDUCATIONAL FEDERAL CREDIT UNION
EDUCATIONAL FEDERAL CREDIT UNION received 638 applications in 2025 and made 318 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 7.090% on a median loan of $95,000. Of 551 decisions, 229 were denials — 41.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GL556PQ7WG0G08 |
|---|---|
| Applications received | 638 |
| Mortgages made | 318 |
| Denied | 229 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 87 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.1 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 | 35 | 5.875% | $315,000 | 34.0% |
| Refinancing | 10 | 5.625% | $265,000 | 54.6% |
| Cash-out refinancing | 124 | 7.095% | $125,000 | 33.9% |
| Other purposes | 149 | 7.090% | $55,000 | 47.0% |
Where EDUCATIONAL FEDERAL CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Miami-Dade County, FL | 225 | 7.090% | 44.3% |
| Broward County, FL | 71 | 7.090% | 29.7% |
| Palm Beach County, FL | 4 | Under 10 loans | 50.0% |
| Hillsborough County, FL | 3 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Highlands County, FL | 2 | Under 10 loans | 50.0% |
| Marion County, FL | 2 | Under 10 loans | 50.0% |
| Polk County, FL | 2 | Under 10 loans | 50.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 66.7% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 50.0% |
| Clay County, FL | 0 | Under 10 loans | Not published |
| Lee County, FL | 0 | Under 10 loans | 100.0% |
| Levy County, FL | 0 | Under 10 loans | 100.0% |
| Orange County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| Seminole County, FL | 0 | Under 10 loans | Not published |
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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.