Capital Educators Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
29th16.0% deniedProcesswithdrawn + incomplete share, weight 15%
37th14.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 669 | 477 | 11.1% | 13.2% | 7.99% | $66M |
| 2024 | 664 | 470 | 15.5% | 17.8% | 6.75% | $72M |
| 2025 | 572 | 407 | 13.6% | 16.0% | — | $74M |
What Capital Educators Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 28 investment properties.
Who gets approved at Capital Educators Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 42 | 22 | 37.1% |
| $50k – $100k | 210 | 146 | 18.1% |
| $100k – $150k | 161 | 115 | 13.5% |
| $150k – $250k | 112 | 85 | 12.2% |
| Over $250k | 22 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 33 | 15.4% |
| 35–44 | 120 | 80 | 19.8% |
| 45–54 | 160 | 113 | 17.9% |
| 55–64 | 126 | 95 | 11.9% |
| 65–74 | 67 | 51 | 13.6% |
| Over 74 | 33 | 22 | 12.0% |
Where Capital Educators Federal Credit Union lends
5 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Idaho | 567 | 405 | 13.4% | — | #36 |
Frequently asked questions
Capital Educators Federal Credit Union denied 16.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
In 2025, 19% of its applications were for home purchases, 26% for refinancing (including cash-out), and 56% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.