EECU
EECU received 1,969 applications in 2025 and made 1,011 mortgages, in 67 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $115,000. Of 1,775 decisions, 750 were denials — 42.3%, most often for debt-to-income ratio. 98 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300Z7KF7I03AULW22 |
|---|---|
| Applications received | 1,969 |
| Mortgages made | 1,011 |
| Denied | 750 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 194 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.32 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 | 126 | 6.625% | $255,000 | 18.4% |
| Refinancing | 36 | 6.000% | $285,000 | 42.4% |
| Cash-out refinancing | 286 | 7.000% | $155,000 | 35.4% |
| Other purposes | 563 | 7.500% | $85,000 | 48.5% |
Where EECU lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tarrant County, TX | 566 | 7.125% | 43.1% |
| Parker County, TX | 112 | 7.250% | 39.1% |
| Johnson County, TX | 78 | 7.250% | 40.0% |
| Denton County, TX | 61 | 7.500% | 41.9% |
| Dallas County, TX | 50 | 7.500% | 42.4% |
| Ellis County, TX | 24 | 7.063% | 35.1% |
| Collin County, TX | 21 | 7.125% | 48.8% |
| Hood County, TX | 21 | 6.750% | 38.2% |
| Wise County, TX | 10 | 6.750% | 28.6% |
| Palo Pinto County, TX | 6 | Under 10 loans | 30.0% |
| Erath County, TX | 5 | Under 10 loans | 0.0% |
| Grayson County, TX | 4 | Under 10 loans | 44.4% |
| Harris County, TX | 4 | Under 10 loans | 42.9% |
| Somervell County, TX | 4 | Under 10 loans | 0.0% |
| Brazoria County, TX | 3 | Under 10 loans | 25.0% |
| Hill County, TX | 3 | Under 10 loans | 50.0% |
| McLennan County, TX | 3 | Under 10 loans | 25.0% |
| Cooke County, TX | 2 | Under 10 loans | 33.3% |
| Fort Bend County, TX | 2 | Under 10 loans | 33.3% |
| Galveston County, TX | 2 | Under 10 loans | 0.0% |
| Navarro County, TX | 2 | Under 10 loans | 60.0% |
| Travis County, TX | 2 | Under 10 loans | 60.0% |
| Williamson County, TX | 2 | Under 10 loans | 0.0% |
| Wood County, TX | 2 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 50.0% |
| Bosque County, TX | 1 | Under 10 loans | 66.7% |
| Bowie County, TX | 1 | Under 10 loans | 50.0% |
| Burnet County, TX | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| Coleman County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 0.0% |
| Fannin County, TX | 1 | Under 10 loans | 50.0% |
| Gonzales County, TX | 1 | Under 10 loans | 0.0% |
| Hamilton County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 50.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Kaufman County, TX | 1 | Under 10 loans | 50.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Medina County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 80.0% |
| Nueces County, TX | 1 | Under 10 loans | 0.0% |
| Polk County, TX | 1 | Under 10 loans | 0.0% |
| Randall County, TX | 1 | Under 10 loans | 0.0% |
| Rusk County, TX | 1 | Under 10 loans | 0.0% |
| Wichita County, TX | 1 | Under 10 loans | 50.0% |
| Young County, TX | 1 | Under 10 loans | 0.0% |
| Andrews County, TX | 0 | Under 10 loans | 100.0% |
| Bell County, TX | 0 | Under 10 loans | Not published |
| Bexar County, TX | 0 | Under 10 loans | 100.0% |
| Brazos County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When EECU’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.