Lender profile · HMDA 2023–2025
Educators Credit Union mortgage approval rates & lending data
Educators Credit Union decided 6,193 mortgage applications and funded 4,893 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 2,103 / 2,153 | 89% | $205K | 1,878 |
| Cash-out refinance | 82% | 2,370 / 2,889 | 90% | $65K | 2,129 |
| Refinance | 80% | 258 / 323 | 74% | $175K | 192 |
| Investment property purchase | 98% | 327 / 335 | 90% | $145K | 294 |
| Investment cash-out refinance | 89% | 407 / 456 | 91% | $135K | 372 |
| Investment refinance | 86% | 30 / 35 | 90% | $125K | 27 |
Educators Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 89% | $135K | 6,124 | 4,840 |
| Illinois | 96% | $275K | 68 | 53 |
| North Carolina | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.