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Eecu

Credit Union•Fort Worth, TXHQ•Direct•Reviews near you on Google

Eecu has 269 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 2 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

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Report Card

Eecu performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+50.5 bps above 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
Acceptable
Bottom 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume225
Mix83.6%
Spread
+0.619%Above
Fees
$1,129Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume41
Mix15.2%
Spread
-0.269%Below
Fees
$5,753Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume102
Mix37.9%
Spread
+0.178%Above
Fees
$2,925Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume167
Mix62.1%
Spread
+0.721%Above
Fees
$899Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
269
Applications
441
Volume
$93 million
Pricing & Closing
Avg Rate Spread
+0.505%
vs. market APOR
Avg Net Fees
$1,706
Origination − Credits
Pullthrough Rate
61.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,710
Avg Borrower Income
$187,283
Avg Property Value
$545,149

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX

Top Metro Areas by Place Specialization Score

1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 214Mix 79.55% of portfolio
85/100
Exceptional
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 33Mix 12.27% of portfolio
55/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 269Mix 100.00% of portfolio
73/100
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.