# EDUCATORS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/educators-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EDUCATORS CREDIT UNION is a credit union, headquartered in Mount Pleasant, WI, serving borrowers across 2 states, with 898 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 4% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FS35FQXZRU4Z45
- **Headquarters:** Mount Pleasant, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IL, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 96/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.125%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $30
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 898
- **Dollar Volume:** $213 million
- **Applications Received:** 1,391
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $237,183
- **Average Borrower Income:** $121,643
- **Average Property Value:** $328,708

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 884 | -0.122% | $30 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 572 loans, Score: 76/100 (Strong)
- Refinance: 312 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 581 | $144M | -0.125% | Strong 😀 |
| Refinance | 80/100 | 317 | $69M | -0.126% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 890 | 1.35% | 91/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Milwaukee | WI | 414 | 89/100 |
| Racine | WI | 261 | 100/100 |
| Kenosha, WI | WI | 110 | 93/100 |
| Non |  | 52 | 41/100 |
| Janesville | WI | 26 | 60/100 |

## Where This Lender Ranks

EDUCATORS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Racine Credit Unions
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Racine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Kenosha, WI Credit Unions
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Kenosha, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Wisconsin for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Milwaukee Credit Unions
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Racine
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders)
- 🥈 **#2** in Racine for Conventional Loans
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Kenosha, WI
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders)
- 🥈 **#2** in Kenosha, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Milwaukee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Milwaukee
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders)
- 🏆 **#4** in Janesville Credit Unions
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Milwaukee for Conventional Loans
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Wisconsin for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Janesville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🏆 **#8** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Janesville
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does EDUCATORS CREDIT UNION offer?

EDUCATORS CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EDUCATORS CREDIT UNION offer mortgages?

EDUCATORS CREDIT UNION offers mortgages in 2 states: IL, WI.

### How competitive are EDUCATORS CREDIT UNION's mortgage rates?

EDUCATORS CREDIT UNION has a pricing score of 96/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.125% below market average.

### What type of lender is EDUCATORS CREDIT UNION?

EDUCATORS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Mount Pleasant, WI.

### What is EDUCATORS CREDIT UNION's loan approval success rate?

EDUCATORS CREDIT UNION has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/educators-credit-union

### How to Cite

> "EDUCATORS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/educators-credit-union

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