Purchase Originations
169
Median Total Costs
$5,979
−10.5% vs national ($6,680)
↑ $174 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,000
Median Lender Credits
$69
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 169 | 6.500% | $5,979 | $2,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 169 | 6.500% | $5,979 | #224 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,466 | 6.375% | — | 1 | −$1,513 | |
| 2 | $4,578 | 6.000% | — | 1 | −$1,401 | |
| 3 | $4,989 | 6.312% | — | 4 | −$990 | |
| 4 | $5,024 | 7.000% | — | 1 | −$955 | |
| 5 | $5,101 | 7.100% | — | 1 | −$878 | |
| 6 | $5,207 | 6.850% | — | 1 | −$772 | |
| 7 | $5,515 | 6.500% | — | 6 | −$464 | |
| 8 | $5,742 | 7.100% | — | 1 | −$237 | |
| 9 | $5,761 | 6.500% | — | 1 | −$218 | |
| 10 | $5,812 | 6.625% | — | 79 | −$167 | |
| 11 | $5,865 | 6.375% | — | 26 | −$114 | |
| 12 | $5,911 | 7.000% | — | 3 | −$68 | |
| 13 | $6,020 | 6.312% | — | 2 | +$41 | |
| 14 | $6,064 | 6.800% | — | 12 | +$85 | |
| 15 | $6,202 | 5.500% | — | 1 | +$223 | |
| 16 | $6,399 | 6.850% | — | 5 | +$420 | |
| 17 | $6,631 | 6.125% | — | 2 | +$652 | |
| 18 | $7,061 | 6.062% | — | 2 | +$1,082 | |
| 19 | $7,128 | 6.250% | — | 5 | +$1,149 | |
| 20 | $10,669 | 6.250% | — | 3 | +$4,690 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Gulf Coast Educators Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,979 | $7,127 | −$1,148 (−16.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.