EDUCATION FIRST CREDIT UNION, INC.
EDUCATION FIRST CREDIT UNION, INC. received 161 applications in 2025 and made 121 mortgages, in 15 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 132 decisions, 6 were denials — 4.6%, most often for credit history.
| Legal Entity Identifier | 549300ZA8T2KGQF6JK55 |
|---|---|
| Applications received | 161 |
| Mortgages made | 121 |
| Denied | 6 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.995 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 | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Refinancing | 21 | 7.500% | $95,000 | 4.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Other purposes | 88 | 7.590% | $65,000 | 1.1% |
Where EDUCATION FIRST CREDIT UNION, INC. lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, OH | 93 | 7.590% | 3.9% |
| Fairfield County, OH | 7 | Under 10 loans | 12.5% |
| Delaware County, OH | 4 | Under 10 loans | 0.0% |
| Licking County, OH | 3 | Under 10 loans | 0.0% |
| Madison County, OH | 3 | Under 10 loans | 25.0% |
| Union County, OH | 3 | Under 10 loans | 0.0% |
| Chowan County, NC | 1 | Under 10 loans | 0.0% |
| Clark County, OH | 1 | Under 10 loans | 0.0% |
| Knox County, OH | 1 | Under 10 loans | 0.0% |
| Medina County, OH | 1 | Under 10 loans | 0.0% |
| Morrow County, OH | 1 | Under 10 loans | 0.0% |
| Pickaway County, OH | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 0.0% |
| Wyandot County, OH | 1 | Under 10 loans | 0.0% |
| Richland County, OH | 0 | Under 10 loans | Not published |
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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.