# GTE Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/gte-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GTE Federal Credit Union is a credit union, headquartered in Tampa, FL, with 387 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZIQ24V0C88AC41
- **Headquarters:** Tampa, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.126%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,243
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 387
- **Dollar Volume:** $103 million
- **Applications Received:** 827
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $265,775
- **Average Borrower Income:** $116,235
- **Average Property Value:** $411,434

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 371 | +0.122% | $1,333 | Sound ☺️ |
| FHA | 48/100 | 10 | +0.264% | $454 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 214 loans, Score: 50/100 (Sound)
- Refinance: 157 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 227 | $75M | +0.013% | Sound ☺️ |
| Refinance | 65/100 | 160 | $27M | +0.297% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 387 | 0.13% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tampa, FL | FL | 209 | 81/100 |
| St. Petersburg | FL | 69 | 73/100 |
| Lakeland | FL | 23 | 56/100 |
| North Port | FL | 18 | 51/100 |
| Ocala, FL | FL | 17 | 53/100 |
| Homosassa Springs, FL | FL | 16 | 58/100 |
| Orlando | FL | 11 | 42/100 |

## Where This Lender Ranks

GTE Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Tampa, FL for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#4** in Homosassa Springs, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Tampa, FL Credit Unions
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Tampa, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in St. Petersburg Credit Unions
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in St. Petersburg for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Ocala, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does GTE Federal Credit Union offer?

GTE Federal Credit Union offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GTE Federal Credit Union offer mortgages?

GTE Federal Credit Union offers mortgages in 1 states: FL.

### How competitive are GTE Federal Credit Union's mortgage rates?

GTE Federal Credit Union has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.126% above market average.

### What type of lender is GTE Federal Credit Union?

GTE Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tampa, FL.

### What is GTE Federal Credit Union's loan approval success rate?

GTE Federal Credit Union has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/gte-federal-credit-union

### How to Cite

> "GTE Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gte-federal-credit-union

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