GECU Federal Credit Union mortgage approval rate & lending review
GECU Federal Credit Union decided 4,919 mortgage applications and funded 3,599 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions GECU Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
GECU Federal Credit Union at a glance
Approval is 4.8 points above the 69.4% 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 | 93% | 770 / 832 | 98% | $185K | 758 |
| Home improvement loans | 71% | 1,577 / 2,230 | 98% | $65K | 1,552 |
| Cash-out refinance | 73% | 1,087 / 1,486 | 99% | $105K | 1,077 |
| Refinance | 55% | 101 / 183 | 98% | $125K | 99 |
| Investment property purchase | 83% | 52 / 63 | 100% | $135K | 52 |
| Investment cash-out refinance | 57% | 32 / 56 | 100% | $115K | 32 |
| Investment home improvement | 46% | 26 / 57 | 96% | $115K | 25 |
GECU Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 74% | $105K | 4,730 | 3,466 |
| New Mexico | 71% | $65K | 188 | 132 |
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 GECU Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| El Paso County, TX | Home improvement loans | 71% | 2,108 | 1,467 |
| El Paso County, TX | Cash-out refinance | 73% | 1,443 | 1,048 |
| El Paso County, TX | Mortgage lenders | 93% | 786 | 718 |
| El Paso County, TX | Refinance | 55% | 173 | 94 |
| Doña Ana County, NM | Home improvement loans | 70% | 101 | 70 |
| El Paso County, TX | Investment property purchase | 81% | 53 | 43 |
| El Paso County, TX | Investment cash-out refinance | 57% | 56 | 32 |
| Doña Ana County, NM | Mortgage lenders | 88% | 33 | 29 |
| Doña Ana County, NM | Cash-out refinance | 69% | 39 | 26 |
| El Paso County, TX | Investment home improvement | 47% | 53 | 24 |
The county markets where GECU Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about GECU Federal Credit Union
What is GECU Federal Credit Union's mortgage approval rate?
GECU Federal Credit Union approved 74.2% of the 4,919 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.8 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan GECU Federal Credit Union offers?
Borrowers accepted 99% of the loans GECU Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does GECU Federal Credit Union make?
The typical home improvement loan loan GECU Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does GECU Federal Credit Union lend?
GECU Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Texas, New Mexico and Arizona.
Can I apply to GECU Federal Credit Union directly?
Yes. GECU Federal Credit Union is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show GECU Federal 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 GECU Federal Credit Union treats applications, then get a rate quote from the lender.