Applications / Mortgage Analytics / Lenders / Texas / Gulf Coast Educators Federal Credit Union
Pasadena, TX · Credit union · NCUA · $1.3 billion assets · 396 loans in 2025
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396
loans originated, 2025
514
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gulf Coast Educators Federal Credit Union makes about half its loans in majority-minority neighborhoods of the Houston area, and it lends only to buy or refinance homes.
Refinances made up 55.1% of its loans and purchases 44.9%; it reported no home-improvement or other-purpose loans. Every loan was conventional. Its typical loan was $155,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about three in four of them.
Majority-minority areas took 49.5% of its loans, up from 41.3% in 2020, against 11.8% at similar lenders; that is higher than at nearly nine in ten. Low- and moderate-income (LMI) borrowers took 22.5%, against 27.3%. Its larger loans, and the absence of small home-improvement loans, could account for part of that difference.
It has lent in Houston-Pasadena-The Woodlands since at least 1990. It ranks 139 of 929 lenders there, with a share unchanged at 0.2%; United Wholesale Mortgage leads.
Its loans fell 13% to 396, while similar lenders grew 7% and the whole market 10%. It made 567 in 2020 and between 418 and 454 a year from 2021 to 2024. Its typical rate was 3.48% in 2020, against 7.00% now. With refinances more than half its lending, cheap money then could account for the peak.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gulf Coast Educators Federal Credit Union took 514 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.1% · Purchase 44.9%
Conventional 100.0% · of 396 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 | 396 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 346 |
| Fort Worth-Arlington-Grapevine | 11 |
| Dallas-Plano-Irving | 7 |
| San Antonio-New Braunfels | 5 |
| College Station-Bryan | 4 |
| Corpus Christi | 2 |
| Killeen-Temple | 2 |
| Amarillo | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Beaumont-Port Arthur | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HC2W2SFF3LU356 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 881272 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55648 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Gulf Coast Educators Federal Credit Union's data.
Gulf Coast Educators Federal Credit Union's data
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Gulf Coast Educators Federal Credit Union 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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