# EECU

> **Canonical URL:** https://saferate.com/lenders/eecu


> **📋 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


EECU is a credit union, headquartered in Fort Worth, TX, with 269 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z7KF7I03AULW22
- **Headquarters:** Fort Worth, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 89.6%
- **Brokered/Wholesale:** 10.4%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.505%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,706
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 269
- **Dollar Volume:** $93 million
- **Applications Received:** 441
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $346,710
- **Average Borrower Income:** $187,283
- **Average Property Value:** $545,149

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 225 | +0.619% | $1,129 | Sound ☺️ |
| Jumbo | 75/100 | 41 | -0.269% | $5,753 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 69 loans, Score: 32/100 (Acceptable)
- Refinance: 156 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 30 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 102 | $51M | +0.178% | Acceptable 🙂 |
| Refinance | 69/100 | 167 | $43M | +0.721% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 269 | 0.08% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Worth | TX | 214 | 85/100 |
| Dallas | TX | 33 | 55/100 |
| Non |  | 14 | 26/100 |

## Where This Lender Ranks

EECU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Fort Worth for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Fort Worth for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Fort Worth for Jumbo Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does EECU offer?

EECU offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EECU offer mortgages?

EECU offers mortgages in 1 states: TX.

### How competitive are EECU's mortgage rates?

EECU has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.505% above market average.

### What type of lender is EECU?

EECU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fort Worth, TX.

### What is EECU's loan approval success rate?

EECU has a pull-through score of 57/100 (Sound). 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/eecu

### How to Cite

> "EECU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/eecu

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