Gecu in Texas vs the state
21.0%Denial rate+1.54 pts vs state
27.8%Decision denial rate+2.93 pts vs state
53.5%Origination rate-1.35 pts vs state
6.38%Median rate-0.13 pts vs state
0.34Rate spread (pts)+0.15 pts vs state
$80kMedian applicant income
1,136Loans originated
445Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,747 | 1,432 | 19.7% | 7.00% | #69 |
| 2024 | 2,549 | 1,375 | 22.2% | 6.75% | #77 |
| 2025 | 2,122 | 1,136 | 21.0% | 6.38% | #91 |
What Gecu lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Gecu applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 2,081 | 1,116 | 442 | 21.2% |
| Denton County | 5 | 3 | 0 | 0.0% |
| Bexar County | 5 | 1 | 3 | 60.0% |
| Midland County | 3 | 2 | 0 | 0.0% |
| Dawson County | 2 | 0 | 0 | 0.0% |
| Harris County | 2 | 1 | 0 | 0.0% |
| Howard County | 2 | 1 | 0 | 0.0% |
| Lubbock County | 2 | 1 | 0 | 0.0% |
| McLennan County | 2 | 1 | 0 | 0.0% |
| Tarrant County | 2 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,122 applications in 2025, of which 1,136 were originated and 445 denied.
21.0% of all applications, or 27.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Gecu originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Gecu's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology