Eagle Community 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 D grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th22.1% deniedPricingmedian rate spread over APOR, weight 30%
0th2.98 ptsProcesswithdrawn + incomplete share, weight 15%
100th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
92nd0.94% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,235 | 312 | 27.5% | 28.1% | 8.90% | $41M |
| 2024 | 1,285 | 373 | 27.3% | 46.1% | 9.25% | $59M |
| 2025 | 1,373 | 536 | 22.1% | 22.1% | 9.08% | $87M |
What Eagle Community 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: 122 home-equity lines, 0 reverse mortgages, 1,251 manufactured homes, 2 investment properties.
Why Eagle Community Credit Union denies applications
Primary reason reported for each of the 303 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Eagle Community 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 | 113 | 24 | 43.4% |
| $50k – $100k | 548 | 164 | 26.8% |
| $100k – $150k | 368 | 170 | 15.8% |
| $150k – $250k | 264 | 133 | 14.4% |
| Over $250k | 80 | 45 | 13.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 54 | 10 | 27.8% |
| 25–34 | 190 | 62 | 22.6% |
| 35–44 | 302 | 106 | 21.2% |
| 45–54 | 314 | 132 | 23.6% |
| 55–64 | 319 | 138 | 21.3% |
| 65–74 | 138 | 64 | 21.0% |
| Over 74 | 56 | 24 | 17.9% |
Where Eagle Community Credit Union lends
4 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 634 | 536 | 6.8% | 9.08% | #224 |
Frequently asked questions
Eagle Community Credit Union denied 22.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of mid-size mortgage lenders.
The most common reason Eagle Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 50.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Eagle Community Credit Union originated in 2025 was 9.08%, and its median rate spread over the average prime offer rate was 2.98 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 10% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.