GCS 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 B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
70th5.5% deniedProcesswithdrawn + incomplete share, weight 15%
23rd18.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 221 | 141 | 9.5% | 13.0% | 4.25% | $12M |
| 2024 | 201 | 143 | 9.0% | 10.7% | — | $14M |
| 2025 | 247 | 187 | 4.5% | 5.5% | — | $20M |
What GCS 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 12 investment properties.
Who gets approved at GCS 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 | 38 | 21 | 17.9% |
| $50k – $100k | 98 | 77 | 4.9% |
| $100k – $150k | 63 | 49 | 2.0% |
| $150k – $250k | 41 | 34 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 37 | 29 | 3.2% |
| 35–44 | 51 | 38 | 0.0% |
| 45–54 | 55 | 41 | 8.9% |
| 55–64 | 52 | 38 | 4.9% |
| 65–74 | 34 | 26 | 7.1% |
Where GCS Credit Union lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
GCS Credit Union denied 5.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 70th percentile of small mortgage lenders.
In 2025, 28% of its applications were for home purchases, 68% for refinancing (including cash-out), and 4% 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.