GCS Credit Union mortgage approval rate & lending review
GCS Credit Union decided 461 mortgage applications and funded 414 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions GCS Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to directfundingnow.com.
GCS Credit Union at a glance
Approval is 16.4 points above the 74.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 105 / 106 | 99% | $125K | 104 |
| Cash-out refinance | 91% | 220 / 243 | 99% | $45K | 217 |
| Refinance | 88% | 65 / 74 | 98% | $105K | 64 |
GCS Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 91% | $45K | 456 | 410 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where GCS Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Madison County, IL | Cash-out refinance | 91% | 198 | 178 |
| Madison County, IL | Mortgage lenders | 99% | 91 | 89 |
| Madison County, IL | Refinance | 85% | 62 | 53 |
| St. Clair County, IL | Cash-out refinance | 88% | 40 | 35 |
The county markets where GCS Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about GCS Credit Union
What is GCS Credit Union's mortgage approval rate?
GCS Credit Union approved 90.9% of the 461 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.4 points above the 74.5% national rate for the same mix of loan types.
How often do borrowers take the loan GCS Credit Union offers?
Borrowers accepted 99% of the loans GCS Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does GCS Credit Union make?
The typical cash-out refinance loan GCS Credit Union made was $45K; across all loan types its typical loan ran from $45K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does GCS Credit Union lend?
GCS Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Tennessee.
Can I apply to GCS Credit Union directly?
Yes. GCS Credit Union reports as a direct lender that takes applications from borrowers. Its website is directfundingnow.com.
Does this page show GCS Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how GCS Credit Union treats applications, then get a rate quote from the lender.