GECU
GECU received 2,236 applications in 2025 and made 1,193 mortgages, in 36 counties across 3 states. The median rate its borrowers got was 6.375% on a median loan of $95,000. Of 1,673 decisions, 462 were denials — 27.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IV3BQZRSE82O16 |
|---|---|
| Applications received | 2,236 |
| Mortgages made | 1,193 |
| Denied | 462 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 563 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.345 points |
| 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 | 211 | 6.625% | $195,000 | 6.5% |
| Refinancing | 48 | 5.990% | $185,000 | 42.4% |
| Cash-out refinancing | 354 | 6.500% | $105,000 | 27.4% |
| Other purposes | 580 | 6.375% | $65,000 | 31.9% |
Where GECU lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| El Paso County, TX | 1,116 | 6.375% | 28.1% |
| Doña Ana County, NM | 43 | 6.500% | 23.2% |
| Otero County, NM | 5 | Under 10 loans | 28.6% |
| Sierra County, NM | 3 | Under 10 loans | 25.0% |
| Denton County, TX | 3 | Under 10 loans | 0.0% |
| Lincoln County, NM | 2 | Under 10 loans | 0.0% |
| Midland County, TX | 2 | Under 10 loans | 0.0% |
| Travis County, TX | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Eddy County, NM | 1 | Under 10 loans | 0.0% |
| Luna County, NM | 1 | Under 10 loans | 0.0% |
| San Miguel County, NM | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 75.0% |
| Brewster County, TX | 1 | Under 10 loans | 0.0% |
| Ector County, TX | 1 | Under 10 loans | 0.0% |
| Freestone County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Howard County, TX | 1 | Under 10 loans | 0.0% |
| Jeff Davis County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Terrell County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 0 | Under 10 loans | 100.0% |
| Chaves County, NM | 0 | Under 10 loans | Not published |
| Mora County, NM | 0 | Under 10 loans | Not published |
| Bailey County, TX | 0 | Under 10 loans | Not published |
| Callahan County, TX | 0 | Under 10 loans | Not published |
| Culberson County, TX | 0 | Under 10 loans | Not published |
| Dawson County, TX | 0 | Under 10 loans | Not published |
| Ellis County, TX | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| Hudspeth County, TX | 0 | Under 10 loans | Not published |
| Uvalde County, TX | 0 | Under 10 loans | Not published |
Get told when this changes
When GECU’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.