Eecu has 269 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Superstar
Refinance
Superstar
Explore another lender or local market
Report Card
Eecu performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+50.5 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
225 loans · 0.62% above market
Sound
Top 60% of lenders
3/5
Jumbo
41 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
102 loans · 0.18% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
167 loans · 0.72% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 225 | 83.6% | +0.619%Above | $1,129Fees | ||||
Jumbo Loans | 41 | 15.2% | -0.269%Below | $5,753Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume225
Mix83.6%
Spread
+0.619%Above
Fees
$1,129Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume41
Mix15.2%
Spread
-0.269%Below
Fees
$5,753Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 102 | 37.9% | +0.178%Above | $2,925Fees | ||||
Refinance | 167 | 62.1% | +0.721%Above | $899Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume102
Mix37.9%
Spread
+0.178%Above
Fees
$2,925Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume167
Mix62.1%
Spread
+0.721%Above
Fees
$899Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
269
Applications
441
Volume
$93 million
Pricing & Closing
Avg Rate Spread
+0.505%
vs. market APOR
Avg Net Fees
$1,706
Origination − Credits
Pullthrough Rate
61.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,710
Avg Borrower Income
$187,283
Avg Property Value
$545,149
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 200200+None
South1
TX
Top Metro Areas by Place Specialization Score
1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 214Mix 79.55% of portfolio
85/100
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.