EDUCATORS CREDIT UNION
EDUCATORS CREDIT UNION received 4,986 applications in 2025 and made 3,282 mortgages, in 77 counties across 14 states. The median rate its borrowers got was 6.875% on a median loan of $75,000. Of 4,738 decisions, 1,226 were denials — 25.9%, most often for credit application incomplete. 6 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300FS35FQXZRU4Z45 |
|---|---|
| Applications received | 4,986 |
| Mortgages made | 3,282 |
| Denied | 1,226 |
| Approved, not taken up | 230 |
| Withdrawn or incomplete | 248 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0905 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 | 751 | 6.375% | $225,000 | 2.3% |
| Refinancing | 153 | 5.875% | $215,000 | 11.9% |
| Cash-out refinancing | 933 | 6.750% | $95,000 | 17.3% |
| Other purposes | 1,445 | 6.990% | $45,000 | 40.0% |
Where EDUCATORS CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Milwaukee County, WI | 1,094 | 6.875% | 33.2% |
| Racine County, WI | 995 | 6.950% | 20.5% |
| Kenosha County, WI | 399 | 6.950% | 23.2% |
| Waukesha County, WI | 305 | 6.875% | 22.4% |
| Walworth County, WI | 116 | 6.950% | 24.1% |
| Rock County, WI | 109 | 6.875% | 21.9% |
| Washington County, WI | 58 | 6.745% | 9.2% |
| Ozaukee County, WI | 56 | 6.950% | 13.6% |
| Dane County, WI | 15 | 6.200% | 11.1% |
| Sheboygan County, WI | 15 | 6.875% | 6.3% |
| Dodge County, WI | 12 | 6.663% | 7.1% |
| Jefferson County, WI | 12 | 6.845% | 42.9% |
| Adams County, WI | 11 | 6.500% | 8.3% |
| Lake County, IL | 6 | Under 10 loans | 28.6% |
| Winnebago County, IL | 5 | Under 10 loans | 30.0% |
| Vilas County, WI | 5 | Under 10 loans | 16.7% |
| Waushara County, WI | 5 | Under 10 loans | 28.6% |
| McHenry County, IL | 4 | Under 10 loans | 20.0% |
| Fond du Lac County, WI | 4 | Under 10 loans | 20.0% |
| Manitowoc County, WI | 4 | Under 10 loans | 20.0% |
| Marathon County, WI | 4 | Under 10 loans | 0.0% |
| Portage County, WI | 4 | Under 10 loans | 0.0% |
| Oneida County, WI | 3 | Under 10 loans | 25.0% |
| Winnebago County, WI | 3 | Under 10 loans | 20.0% |
| Brown County, WI | 2 | Under 10 loans | 25.0% |
| Calumet County, WI | 2 | Under 10 loans | 0.0% |
| Door County, WI | 2 | Under 10 loans | 40.0% |
| Grant County, WI | 2 | Under 10 loans | 0.0% |
| Juneau County, WI | 2 | Under 10 loans | 0.0% |
| Kewaunee County, WI | 2 | Under 10 loans | 0.0% |
| La Crosse County, WI | 2 | Under 10 loans | 0.0% |
| Marinette County, WI | 2 | Under 10 loans | 20.0% |
| Outagamie County, WI | 2 | Under 10 loans | 0.0% |
| Sauk County, WI | 2 | Under 10 loans | 0.0% |
| Waupaca County, WI | 2 | Under 10 loans | 0.0% |
| Ashland County, WI | 1 | Under 10 loans | 0.0% |
| Bayfield County, WI | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Florence County, WI | 1 | Under 10 loans | 0.0% |
| Green Lake County, WI | 1 | Under 10 loans | 50.0% |
| Iowa County, WI | 1 | Under 10 loans | 0.0% |
| Jackson County, WI | 1 | Under 10 loans | 0.0% |
| Marquette County, WI | 1 | Under 10 loans | 50.0% |
| Menominee County, WI | 1 | Under 10 loans | 0.0% |
| Polk County, WI | 1 | Under 10 loans | 0.0% |
| Price County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Shawano County, WI | 1 | Under 10 loans | 0.0% |
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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.