# EDUCATIONAL EMPLOYEES CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/educational-employees-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

EDUCATIONAL EMPLOYEES CREDIT UNION is a credit union, headquartered in Fresno, CA, with 211 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549004OC91L41W9XR37
- **Headquarters:** Fresno, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.713%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $45
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 211
- **Dollar Volume:** $85 million
- **Applications Received:** 534
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $402,062
- **Average Borrower Income:** $205,422

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 196 | -0.702% | $47 | Sound ☺️ |
| Jumbo | 61/100 | 15 | -0.855% | $20 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 124 loans, Score: 48/100 (Sound)
- Refinance: 72 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 137 | $63M | -0.765% | Sound ☺️ |
| Refinance | 62/100 | 74 | $21M | -0.618% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 211 | 0.07% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fresno, CA | CA | 146 | 84/100 |
| Visalia, CA | CA | 22 | 59/100 |
| San Luis Obispo | CA | 12 | 48/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.713% below market average.

### What type of lender is EDUCATIONAL EMPLOYEES CREDIT UNION?

EDUCATIONAL EMPLOYEES CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fresno, CA.

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

EDUCATIONAL EMPLOYEES CREDIT UNION has a pull-through score of 48/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/educational-employees-credit-union

### How to Cite

> "EDUCATIONAL EMPLOYEES CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/educational-employees-credit-union

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