Applications / Mortgage Analytics / Lenders / California / Educational Employees Credit Union
Fresno, CA · Credit union · NCUA · $5.3 billion assets · 957 loans in 2025
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957
loans originated, 2025
2,365
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Educational Employees Credit Union is a Fresno credit union focused on home-improvement and other-purpose loans, ranking 10 of 409 lenders in Fresno, where its share slipped to 1.8%.
Home improvement was 45.1% of its originations and other-purpose loans 31.5%; refinances were 13.9% and purchases 9.5%. Every loan was conventional, and none was higher-priced (a rate well above the average for similar loans), against 1.7% at similar lenders (credit unions making between half and twice as many loans).
LMI (low- and moderate-income) borrowers took 5.0% of its loans, against 28.0% at similar lenders, among the lowest of its peers; LMI areas took 8.1%, against 15.1%. One possible reason is its mix: home-improvement and other-purpose loans go to existing owners, who may have higher incomes than buyers. Majority-minority areas took 59.8% of its loans, against 10.5%, which may reflect the markets it serves, led by Fresno and Visalia.
In Fresno, where it has lent since before 1990, its share fell 0.2 points to 1.8%; United Wholesale Mortgage and Kind Lending led. In Visalia it fell to 0.8%, ranking 23 of 281. Its dollar volume was about flat at $148.8 million while the whole market grew 10%, so lending held steady while markets grew around it. In Hanford-Corcoran its share rose 0.4 points to 1.0%.
Originations rose 6% to 957, against 8% at similar lenders; they peaked at 1,327 in 2022. Its typical loan, $105,000, matched peers'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Educational Employees Credit Union took 2,365 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.1% · Other 31.5% · Refinance 13.9% · Purchase 9.5%
Conventional 100.0% · of 957 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 957 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fresno | 681 |
| Visalia | 133 |
| Hanford-Corcoran | 47 |
| San Luis Obispo-Paso Robles | 27 |
| Merced | 19 |
| Sacramento-Roseville-Folsom | 10 |
| Bakersfield-Delano | 6 |
| Modesto | 6 |
| Anaheim-Santa Ana-Irvine | 3 |
| Oakland-Fremont-Berkeley | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004OC91L41W9XR37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 504898 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560520 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Educational Employees Credit Union's data.
Educational Employees Credit Union's data
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Educational Employees Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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