Applications / Mortgage Analytics / Lenders / Texas / GECU
El Paso, TX · Credit union · NCUA · $4.6 billion assets · 1,193 loans in 2025
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1,193
loans originated, 2025
2,236
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
GECU is an El Paso credit union, ranked 5 of 332 lenders in its home market, whose originations fell 17% in 2025 while similar credit unions grew.
It ranked 5 of 332 lenders in El Paso, where it has lent since before 1990, behind United Wholesale Mortgage, Rocky Mountain Mortgage Company, Rocket Mortgage and Change Lending. Its share fell 0.9 points to 4.0% from 4.9%. Competitors growing faster there, or its own smaller year, are possible reasons.
Originations fell 17% to 1,193 from 1,439, while similar lenders (credit unions making between half and twice as many loans) typically grew 9%; its change was among the lowest twentieth of them. The data do not say why; its total has stayed well below the 2,453 of 2020 since 2022, and a mix weighted to home improvement and refinance, which depends on what existing owners need, is one possible reason.
Home improvement made up 39.0% of its loans, refinance 33.7% and home purchase 17.7%. Its typical loan was $95,000, against $105,000 at peers. All its loans were conventional.
Majority-minority areas took 98.2% of its loans, against 10.1% at peers, the highest among them; its largest markets are El Paso and Las Cruces, and their make-up is one possible reason. Low- and moderate-income (LMI) areas took 20.6%, against 15.0%. LMI borrowers took 21.9%, against 27.6%; lending to existing owners through refinance and home-improvement loans is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. GECU took 2,236 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.0% · Refinance 33.7% · Purchase 17.7% · Other 9.6%
Conventional 100.0% · of 1,193 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,136 | 95.2% |
| New Mexico | 56 | 4.7% |
| Arizona | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 1,116 |
| Las Cruces | 43 |
| Austin-Round Rock-San Marcos | 3 |
| Dallas-Plano-Irving | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| Midland | 2 |
| Houston-Pasadena-The Woodlands | 1 |
| Lubbock | 1 |
| Odessa | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IV3BQZRSE82O16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 364690 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560058 | 1990–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: GECU's data.
GECU's data
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GECU and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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