Lender in Texas · HMDA 2025
Gecu mortgages in Texas
Gecu's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Gecu originated 442 owner-occupied single-family loans in Texas from 577 completed applications.
Its median conventional purchase loan costs were $3,020 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
442
of 577 applications
Denial rate
5.4%
Purchase · TX 10.2%
Rate spread
+0.15 pts
Conv. · TX +0.09 pts
Loan amount
$195,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 184 | 170 | 5.4% | 6.625% | +0.15 pts | $3,020 | $195,000 |
| Refinance | 80 | 48 | 38.8% | 5.990% | −0.09 pts | $2,610 | $185,000 |
| Cash-out refinance | 313 | 224 | 27.5% | 7.250% | +0.23 pts | $2,860 | $125,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Gecu ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| El Paso County | 5 | 434 | 4.4% |
| Jeff Davis County | 8 | 1 | 7.1% |
| Brewster County | 15 | 1 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology