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EECU
Credit Union|Fort Worth, TX|Single State
Loans Originated
269
Applications
441
Volume
$93 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.505%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,706
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.0%
Percentage of applications that result in closed loans
Report Card
EECU performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Single State · 3 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$346,710
Average Borrower Income
$187,283
Average Property Value
$545,149
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 225 | 83.6% | +0.619% | $1,129 |
Jumbo Loans | Strong | Strong | Sound | Exceptional | 41 | 15.2% | -0.269% | $5,753 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Acceptable | 102 | 37.9% | +0.178% | $2,925 |
Refinance | Strong | Strong | Sound | Strong | 167 | 62.1% | +0.721% | $899 |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
TX
Top Metro Areas by Place Specialization Score
1
Fort Worth, TXMSA
Volume: 214Mix: 79.55%
Place Specialization
Exceptional
2
Dallas, TXMSA
Volume: 33Mix: 12.27%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 269Mix: 100.00%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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