What loan types does Educators Credit Union offer?

Educators Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Educators Credit Union offer mortgages?

Educators Credit Union offers mortgages in 2 states: IL, WI.

How competitive are Educators Credit Union's mortgage rates?

Educators Credit Union has an overall pricing score of 96/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Educators Credit Union?

Educators Credit Union is a Credit Union headquartered in Mount Pleasant, WI.

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Educators Credit Union

Credit Union•Mount Pleasant, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Educators Credit Union — 898 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Exceptional

5/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Champion

Refinance

Champion

Purchase

Superstar

Summary

What They Do Well

Offers rates 12.50 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Educators Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 12.5 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

884 loans · 0.12% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

581 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

Refinance

317 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Exceptional	Strong	Exceptional	Strong	884	98.4%	-0.122%Below	$30Fees

Conventional

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume884

Mix98.4%

Spread

-0.122%Below

Fees

$30Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Strong	581	64.7%	-0.125%Below	$170Credit
Refinance	Exceptional	Strong	Exceptional	Strong	317	35.3%	-0.126%Below	$408Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume581

Mix64.7%

Spread

-0.125%Below

Fees

$170Credit

Refinance

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume317

Mix35.3%

Spread

-0.126%Below

Fees

$408Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

898

Applications

1,391

Volume

$212 million

Pricing & Closing

Avg Rate Spread

-0.125%

vs. market APOR

Avg Net Fees

$30

Origination − Credits

Pullthrough Rate

64.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$237,183

Avg Borrower Income

$121,643

Avg Property Value

$328,708

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

ILWI

Top Metro Areas by Place Specialization Score

Racine, WIMetro

Volume 261Mix 29.06% of portfolio

100/100

Exceptional

Kenosha, WIMetro

Volume 110Mix 12.25% of portfolio

93/100

Exceptional

Milwaukee, WIMetro

Volume 414Mix 46.10% of portfolio

89/100

Exceptional

Janesville, WIMetro

Volume 26Mix 2.90% of portfolio

60/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 890Mix 99.11% of portfolio

91/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.