Gulf Coast Educators Federal Credit Union in Texas vs the state
8.4%Denial rate-11.05 pts vs state
9.7%Decision denial rate-15.19 pts vs state
77.2%Origination rate+22.31 pts vs state
7.00%Median rate+0.50 pts vs state
0.68Rate spread (pts)+0.49 pts vs state
$118kMedian applicant income
396Loans originated
43Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 516 | 425 | 9.1% | 6.50% | #251 |
| 2024 | 581 | 454 | 10.8% | 6.86% | #228 |
| 2025 | 513 | 396 | 8.4% | 7.00% | #257 |
What Gulf Coast Educators Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Gulf Coast Educators Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 249 | 212 | 7 | 2.8% |
| Galveston County | 64 | 59 | 0 | 0.0% |
| Brazoria County | 49 | 45 | 1 | 2.0% |
| Montgomery County | 14 | 12 | 1 | 7.1% |
| Fort Bend County | 13 | 9 | 2 | 15.4% |
| Tarrant County | 10 | 10 | 0 | 0.0% |
| Chambers County | 4 | 4 | 0 | 0.0% |
| Brazos County | 4 | 4 | 0 | 0.0% |
| Liberty County | 3 | 2 | 0 | 0.0% |
| Nacogdoches County | 3 | 3 | 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: 513 applications in 2025, of which 396 were originated and 43 denied.
8.4% of all applications, or 9.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Gulf Coast Educators Federal Credit Union originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Gulf Coast Educators Federal Credit Union'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