Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Eecu: 2025 mortgage rates, costs & approvals

How Eecu priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: EECU · LEI 549300Z7KF7I03AULW22

In 2025, Eecu originated 246 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 1107th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $6,660, 20% higher than the national median ($5,570).

It denied 11.4% of completed home-purchase applications (all lenders: 8.5%).

Loans
246
of 373 applications
Denial rate
11.4%
Purchase · all 8.5%
30-yr fixed rate
6.50%
Conv. · all 6.625%
Loan costs
$6,660
Conv. · all $5,570
Loan amount
$335,000
Purchase · all $335,000
Borrower income
$160,000
Purchase · all $116,000

How Eecu priced home-purchase loans

Purchase loans, 2025EecuAll lenders
30-year fixed rate · conventional6.500%6.625%
30-year fixed rate · FHA—6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.12 pts+0.13 pts
Total loan costs · conventional$6,660$5,570
Total loan costs · FHA—$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$2,190$1,860
Borrowers paying discount points36.7%51.3%
Points paid, when paid (% of loan)0.38%0.87%
Borrowers receiving lender credits47.8%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 100.0% 246

By purpose

Home purchase 37.0% 91
Refinance 12.2% 30
Cash-out refinance 50.8% 125
Home value
$475,000
Median, purchase loans
Down payment
20%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
44.8%
Cash-out 39.5%

Where Eecu lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Texas24637311.4%6.500%$6,660

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Eecu's page for that state.

Counties where Eecu is a top lender

CountyRankLoansMarket share
Palo Pinto County, TX2531.1%

Check Eecu yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology