Applications / Mortgage Analytics / Lenders / Texas / Gulf Coast Federal Credit Union
Corpus Christi, TX · Credit union · NCUA · $277 million assets · 43 loans in 2025
Gulf Coast Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
45
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gulf Coast Federal Credit Union lends overwhelmingly in majority-minority neighborhoods around Corpus Christi, but its share of that market halved in 2025.
Some 74.4% of its loans went to majority-minority neighborhoods, against 9.3% for similar lenders, which here means credit unions making between half and twice as many loans. That is higher than almost all of them, as it was five years before, at 72.6%. Its typical loan was $145,000, against $95,000 at peers.
Its share of Corpus Christi lending fell from 0.6% to 0.3%, leaving it 59 of 389 lenders. It made 43 loans, down 17% from 52, while peers grew 3%. For a lender this size the swing is a handful of loans, and its count has moved a lot: 146 in 2022, then 46 in 2023. It merged with Homeport Federal Credit Union in 2020.
Purchases were 58.1% of its loans and refinances 41.9%. It sent 27.9% of its loans to low- and moderate-income borrowers, against 31.4% for similar credit unions, a little lower than the middle of the group. That share has risen from 9.7% five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Refinance 41.9%
Conventional 100.0% · of 43 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 | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 34 |
| Houston-Pasadena-The Woodlands | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HMP6CQXPB0L958 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 330770 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54060 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Gulf Coast Federal Credit Union's data.
Gulf Coast Federal Credit Union's data
$215
Gulf Coast 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.
Buy Gulf Coast Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]