Lender in Texas · HMDA 2025
Gulf Coast Educators Federal Credit Union mortgages in Texas
Gulf Coast Educators Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Gulf Coast Educators Federal Credit Union originated 250 owner-occupied single-family loans in Texas from 275 completed applications.
Its median conventional purchase loan costs were $5,980 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
250
of 275 applications
Denial rate
0.0%
Purchase · TX 10.2%
Rate spread
−0.04 pts
Conv. · TX +0.09 pts
Loan amount
$305,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 173 | 169 | 0.0% | 6.500% | −0.04 pts | $5,980 | $305,000 |
| Refinance | 9 | 9 | — | — | — | — | — |
| Cash-out refinance | 93 | 72 | 22.6% | — | +0.94 pts | $750 | $125,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Gulf Coast Educators Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Brewster County | 14 | 1 | 1.7% |
| Nacogdoches County | 23 | 3 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology