GCS Credit Union
GCS Credit Union received 247 applications in 2025 and made 187 mortgages, in 14 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $75,000. Of 201 decisions, 11 were denials — 5.5%.
| Legal Entity Identifier | 549300A03BP6F4DI7N56 |
|---|---|
| Applications received | 247 |
| Mortgages made | 187 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 68 | Not published | $145,000 | 1.4% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Cash-out refinancing | 109 | Not published | $55,000 | 6.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where GCS Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Madison County, IL | 138 | Not published | 4.8% |
| St. Clair County, IL | 29 | Not published | 9.1% |
| Macoupin County, IL | 5 | Under 10 loans | 0.0% |
| Jersey County, IL | 4 | Under 10 loans | 0.0% |
| Montgomery County, IL | 2 | Under 10 loans | 0.0% |
| Randolph County, IL | 2 | Under 10 loans | 0.0% |
| St. Louis County, MO | 2 | Under 10 loans | 33.3% |
| Clinton County, IL | 1 | Under 10 loans | 0.0% |
| Greene County, IL | 1 | Under 10 loans | 0.0% |
| Washington County, IL | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Bond County, IL | 0 | Under 10 loans | Not published |
| Jefferson County, IL | 0 | Under 10 loans | Not published |
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When GCS Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.