What loan types does Educational Employees Credit Union offer?

Educational Employees Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Educational Employees Credit Union offer mortgages?

Educational Employees Credit Union offers mortgages in 1 states: CA.

How competitive are Educational Employees Credit Union's mortgage rates?

Educational Employees Credit Union has an overall pricing score of 98.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Educational Employees Credit Union?

Educational Employees Credit Union is a Credit Union headquartered in Fresno, CA.

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Educational Employees Credit Union

Credit Union•Fresno, CAHQ•Direct•Reviews near you on Google

Educational Employees Credit Union has 211 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 3 mkts

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 71.30 basis points below market average
Lower than average lender fees

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Report Card

Educational Employees Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 71.3 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	196	92.9%	-0.702%Below	$47Fees
Jumbo Loans	Sound	Strong	—	Sound	15	7.1%	-0.855%Below	$20Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume196

Mix92.9%

Spread

-0.702%Below

Fees

$47Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume15

Mix7.1%

Spread

-0.855%Below

Fees

$20Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Acceptable	137	64.9%	-0.765%Below	$57Fees
Refinance	Strong	Strong	Exceptional	Sound	74	35.1%	-0.618%Below	$23Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume137

Mix64.9%

Spread

-0.765%Below

Fees

$57Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume74

Mix35.1%

Spread

-0.618%Below

Fees

$23Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

211

Applications

534

Volume

$84 million

Pricing & Closing

Avg Rate Spread

-0.713%

vs. market APOR

Avg Net Fees

$45

Origination − Credits

Pullthrough Rate

39.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$402,062

Avg Borrower Income

$205,422

Avg Property Value

$636,374

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

West1

Top Metro Areas by Place Specialization Score

Fresno, CAMetro

Volume 146Mix 69.19% of portfolio

84/100

Exceptional

Visalia, CAMetro

Volume 22Mix 10.43% of portfolio

59/100

Sound

San Luis Obispo, CAMetro

Volume 12Mix 5.69% of portfolio

48/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 211Mix 100.00% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.