LEI 549300L8D4DNZNL31O66 · BEAUMONT, TX
Education First Federal Credit Union
Denial sits in the upper fleet tercile at 30.8% across 211 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Education First Federal Credit Union posts a 30.8% denial rate, above the fleet's upper tercile (~13.79%) - across 211 applications with 91 originations. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 43.1%
- Origination share
- 91
- Originated
- 30.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
211reported applications
Where Education First Federal Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
91 38th percentile higher than 38% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Education First Federal Cre…
Application volume by HMDA loan type in this lender's 2024 book.
Mid-volume reporter. Education First Federal Credit Union's 43.1% origination rate and 30.8% denial rate sit on a mid-tercile originated book (91 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Program weight concentrates in Conventional (211 applications).
How to read Education First Federal Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Education First Federal Cre…
Education First Federal Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 211 | 91 | 65 | $150,450 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Education First Federal Credit Union (LEI: 549300L8D4DNZNL31O66) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 122 | 58 | $180,574 |
| Cash-out Refinancing | 73 | 27 | $108,288 |
| Refinancing | 16 | 6 | $113,125 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 105 | 38.1% | 27.6% |
| Black or African American * | 44 | 22.7% | 61.4% |
| Asian * | 4 | 50.0% | 0.0% |
| Joint * | 4 | 50.0% | 25.0% |
| 2 or more minority races * | 1 | 0.0% | 0.0% |
| American Indian or Alaska Native * | 1 | 0.0% | 100.0% |
| Native Hawaiian or Other Pacific Islander * | 1 | 0.0% | 100.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 140 | 35.7% | 37.9% |
| Hispanic or Latino * | 12 | 25.0% | 16.7% |
| Joint * | 7 | 42.9% | 28.6% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in TX
Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.
One of 404 other HMDA-reporting lenders in TX, 5 are shown here.
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Coppell, TX
DHI Mortgage Company, LTD.
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PRIMELENDING
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Credit Human Federal Credit Un
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Usaa Bank
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Read with Education First Federal Credit Union
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Education First Federal Credit Union (LEI 549300L8D4DNZNL31O66).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Education First Federal Credit Union.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Education First Federal Credit Union page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.