Education Credit Union
Education Credit Union received 307 applications in 2025 and made 265 mortgages, in 26 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $95,000. Of 285 decisions, 5 were denials — 1.8%, most often for collateral.
| Legal Entity Identifier | 549300VG0KDMI6ULUX54 |
|---|---|
| Applications received | 307 |
| Mortgages made | 265 |
| Denied | 5 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.024 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 44 | 6.500% | $190,000 | 0.0% |
| Refinancing | 14 | 7.813% | $85,000 | 0.0% |
| Cash-out refinancing | 207 | 7.125% | $85,000 | 2.2% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 0.0% |
Where Education Credit Union lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Randall County, TX | 133 | 6.875% | 1.4% |
| Potter County, TX | 76 | 7.125% | 1.2% |
| Hutchinson County, TX | 14 | 7.125% | 0.0% |
| Deaf Smith County, TX | 6 | Under 10 loans | 0.0% |
| Carson County, TX | 3 | Under 10 loans | 0.0% |
| Hansford County, TX | 3 | Under 10 loans | 0.0% |
| Lubbock County, TX | 3 | Under 10 loans | 0.0% |
| Moore County, TX | 3 | Under 10 loans | 0.0% |
| Oldham County, TX | 3 | Under 10 loans | 0.0% |
| Armstrong County, TX | 2 | Under 10 loans | 0.0% |
| Dallam County, TX | 2 | Under 10 loans | 0.0% |
| Hale County, TX | 2 | Under 10 loans | 33.3% |
| Swisher County, TX | 2 | Under 10 loans | 0.0% |
| Burnet County, TX | 1 | Under 10 loans | 0.0% |
| Donley County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Hall County, TX | 1 | Under 10 loans | 0.0% |
| Hartley County, TX | 1 | Under 10 loans | 0.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Lamb County, TX | 1 | Under 10 loans | 0.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Montague County, TX | 1 | Under 10 loans | 0.0% |
| Parmer County, TX | 1 | Under 10 loans | 0.0% |
| Sherman County, TX | 1 | Under 10 loans | 50.0% |
| Wichita County, TX | 1 | Under 10 loans | 0.0% |
| Young County, TX | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Education Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.